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If you are considering pursuing a maritime career, a license is the way to go. But as Richard pointed out, it takes sea time as well as CG exam.
For my 100 ton license, it took 720 days of documentable sea time. When I upgraded to 500 ton, that took 360 additional days and much more complicated test with CG.
A 6 pack license (6 passengers or less) requires 360 days of sea time. If you have a boat, this would allow you to take paying passengers. But then you need to check your insurance policy etc.
Licensing also requires a drug test, physical exam and a TWIC -Transportation Worker Identity Card. Repeat every 5 years.
Vince
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