A learning organization: Launched when Shah was still in high school, INeedAPencil.com is a free online SAT preparation site that offers low-income students an alternative to pricier courses such as those at Kaplan and The Princeton Review. Students can log on to the site and choose from more than 60 lessons in math, reading, and writing, many of which use pop-culture and sports references to liven up the material. It's not just a gimmick -- a random sampling of the site's users showed an average improvement of 202 points on their SAT scores. INeedAPencil.com earns most of its revenue by generating leads for colleges and universities eager to recruit the site's 30,000 users, who can opt in to receive information about different schools.

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