The easiest way to get around the T3 rule is have accounts with multiple brokers. There are many us brokers to choose from. You can have a robinhood account just because of free commissions, a e-trade account, optionshouse, interactivebrokers, and suretrader just to name a few. But considering the amount of money you have you won't be able to short any shares. Also if you are looking for a paper trading platform there are many that are completely free. I use optionshouse for some of my pape

i use suretrader for some time now and have had 0 problems with them, they are great for shorting as well, just dont overtrade with them and you will be fine

i also use think or swim because of their charting but they suck for shorting

I've heard people have a hard time accessing their money with Suretrader (Cash Account). Any input?