Well, I don't know about "a little help file" with a line to change, but if you launch the game and then close it and exit right away, you can open the "SH3" folder in "My Documents" or "Libraries\Documents" (depending on your OS version) and change the Naval Academy file scores to whatever you like; it's a simple text file that can be edited with Notepad or WordPad.
All five exams should be changed from "False" to "True" and IIRC, the maximum scores are 0=500, 1=1000, 2=600, 3=1000, and 4=1645.
Good luck and good hunting.
