Usually free to start
Browser chats: ChatGPT, Claude.ai, and Gemini free tiers for prompting practice.
Study and research: NotebookLM and Perplexity free tiers (limits change).
Local: Ollama and LM Studio have no subscription after you own the laptop. Power and disk are the real costs.
Education plans
GitHub Copilot Student is available through GitHub Education for verified students.
Google, Microsoft, and others periodically run education promotions. They expire.
When paying is rational
You hit free-tier rate limits during real work, and a paid plan is cheaper than missing deadlines.
You need a feature your free tier blocks, and a short side-by-side test already showed it helps.
FAQ
Is local really free?
No subscription, but electricity, disk, and a machine that can run the model still cost money. Small models keep that honest.
Where do I see prices?
On each tool page in the index.