What you need: Apple iPhone, Android device; Evernote app, Free 

Risk level: Low

Evernote is one of the best, if not the best, productivity apps available for the iOS and Android platforms. It effortlessly syncs all your documents between your smartphone and computer; it can even analyze text from images and make it searchable. It’s great for students looking to stay organized... and cheat. Don’t scramble the night before an exam to get your cheat sheet tight. Develop it over the course of the class by keeping it updated no matter where you are. On test day, you'll have a fully curated cheat sheet right there on your phone.