- Rule
- Scratch paper
- PSI test center
- One piece supplied by PSI
- Remote proctoring
- Not allowed
PSI paper policy
Can you use scratch paper on the Illinois real estate exam?
At a PSI test center, yes, but PSI supplies the paper and pencil and collects both at checkout. On the remote-proctored exam, no scratch paper is allowed. That difference matters most for math, so practice for the delivery format you actually booked.
What is the scratch-paper rule?
Short answer: A test-center candidate receives one piece of scratch paper and a pencil from PSI. A remote candidate may not use scratch paper. Personal paper, notes, formula sheets, and writing supplies are not a substitute in either format.
- Rule
- Pencil
- PSI test center
- Supplied by PSI
- Remote proctoring
- Not allowed for exam notes
- Rule
- Personal paper
- PSI test center
- Do not bring it into the room
- Remote proctoring
- Not allowed
- Rule
- Formula sheet
- PSI test center
- Not allowed
- Remote proctoring
- Not allowed
- Rule
- After the exam
- PSI test center
- Return paper and pencil at checkout
- Remote proctoring
- No handwritten exam notes should exist
- Rule
- Physical calculator
- PSI test center
- Allowed under the current booklet
- Remote proctoring
- Not allowed
The booking format changes your math environment
The content outline and passing standard remain the same. Remote testing simply removes two tools many candidates expect: scratch paper and a physical calculator. Decide whether that tradeoff is sensible before the appointment-change deadline.
What happens at a PSI test center?
- Leave personal paper and writing supplies outside the exam room.
- Accept the piece of scratch paper and pencil supplied by PSI.
- Use them only during the authorized examination session.
- Keep all examination notes inside the controlled room.
- Return the paper and pencil during checkout.
Do not copy questions for later review or take exam notes out of the center. PSI treats examination content and materials as secure. A missing sheet can delay checkout and create a conduct issue.
What happens during a remote exam?
Clear all paper, notebooks, sticky notes, mail, whiteboards, pens, pencils, and reference material from the desk and reachable area before check-in. The remote room scan can include the desk, the area under the keyboard or laptop, the floor, ceiling, and surrounding room.
Do not bring paper into view after the scan. Do not write on the desk, hand, wall, or another surface. A personal whiteboard does not become acceptable merely because it can be erased. Follow the booklet and the proctor's instructions.
The Illinois PSI remote room setup guide covers the complete desk, camera, phone, privacy, and scan checklist.
Why does the rule matter for exam math?
Real estate calculations account for 7% of the scored national broker portion, about seven of the 100 scored national questions. Math can also appear inside financing, valuation, property ownership, and transaction scenarios.
- Task
- Commission
- What paper helps track
- Price, rate, and split sequence
- Paper-free substitute
- Compute one step at a time and check the direction
- Task
- Proration
- What paper helps track
- Time period, daily rate, debit and credit
- Paper-free substitute
- Name the liable party and unit before calculating
- Task
- Area and acreage
- What paper helps track
- Dimensions and conversions
- Paper-free substitute
- Estimate the size and keep units explicit
- Task
- Loan-to-value
- What paper helps track
- Value, loan, down payment, and percentage
- Paper-free substitute
- Identify the requested variable before entering numbers
- Task
- Property tax
- What paper helps track
- Assessment, exemption, rate, and time
- Paper-free substitute
- Separate the taxable base from the final multiplication
- Task
- Capitalization
- What paper helps track
- NOI, value, and cap rate
- Paper-free substitute
- Use the relationship income equals rate times value
A remote candidate does not need to become a mental-arithmetic performer. The goal is to reduce each question to a short, ordered set of decisions that can be handled without a handwritten page.
A paper-free calculation method
- Name the unknown. Are you finding dollars, a percentage, time, distance, or area?
- Identify the relationship. Choose the formula before touching the numbers.
- Standardize the units. Convert months, days, square feet, acres, percentages, and decimal rates first.
- Estimate the range. Decide whether the answer should be hundreds, thousands, or a small percentage.
- Calculate one step at a time. Avoid an unnecessarily long expression.
- Check direction and units. Ask whether the result answers the actual question.
Example: commission without paper
A $320,000 property earns a 5% total commission. One brokerage receives half. First find $16,000 total commission. Then take half: $8,000. The result is smaller than the total and remains a dollar amount, so both the direction and unit make sense.
How should remote candidates practice?
Do not discover the paper restriction on exam day. Use a deliberate transition:
- Solve new math lessons with paper until the formula and units are understood.
- Repeat familiar question types without paper in sets of five.
- Mark every miss as a formula, unit, arithmetic, or reading error.
- Practice timed mixed sets without paper or a physical calculator.
- Compare paper and paper-free accuracy before keeping remote delivery.
If accuracy drops sharply without written setup, that is useful evidence about the delivery format, not a character flaw.
Use answer choices as a check, not a shortcut
- Eliminate results with the wrong unit.
- Reject amounts outside your estimated range.
- Check whether a percent was entered as a decimal.
- Look for an answer that reflects one missing conversion.
- Substitute a proposed answer back into a simple relationship.
Do not guess from the shape of the choices before reading the facts. Distractors often represent a plausible but incomplete calculation.
How should you use one test-center sheet?
PSI promises a piece of paper, so use it as a limited resource:
- Write only the numbers, units, and relationship you need.
- Separate one problem from the next with a short line.
- Keep proration debits and credits visibly distinct.
- Do not spend opening minutes creating a long formula dump.
- Reserve space for later multi-step questions.
- Never plan around receiving another sheet.
A formula dump can consume time and introduce an error before you see a question. Recall formulas when the facts call for them.
Does scratch paper decide where you should test?
- Observation
- Math stays accurate without paper
- Better fit
- Remote can remain an option
- Reason
- Paper restriction creates little extra risk
- Observation
- Written setup prevents recurring errors
- Better fit
- Test center
- Reason
- PSI supplies paper and permits a physical calculator
- Observation
- You need a restroom break
- Better fit
- Test center
- Reason
- Remote breaks are not allowed
- Observation
- Home room or internet is unreliable
- Better fit
- Test center
- Reason
- PSI controls the technology and environment
Review every practical difference in the Illinois real estate exam online versus test-center comparison. Change the appointment through the official PSI process at least two days before the scheduled examination.
What if you have an approved accommodation?
An approved testing accommodation can modify a standard condition. It does not authorize candidates to create their own exception. Request accommodations through the official process before scheduling as directed, retain the written approval, and bring or use only the materials PSI specifically authorizes.
If approval language is unclear, resolve it with PSI before the appointment rather than asking the proctor to make a new decision at launch.
Build math skill for the booked format
Practice under the real constraint
Use Math Coach to make each setup automatic
Pass Illinois combines original practice questions, explanations, flashcards, Math Coach, and separate national and state readiness. Learn the method with support, then repeat it without paper if remote testing is your plan.
Illinois PSI scratch-paper FAQ
Can you use scratch paper on the Illinois real estate exam?
It depends on delivery. At a PSI test center, PSI provides one piece of scratch paper and a pencil. You may not bring your own paper. During a remote-proctored Illinois real estate exam, scratch paper is not allowed.
Does PSI provide scratch paper at the test center?
Yes. The current Illinois candidate booklet says test-center candidates receive a piece of scratch paper and a pencil. Both must be returned during checkout.
Can you bring your own scratch paper to PSI?
No. Do not bring personal paper, notes, formula sheets, or writing supplies into the examination room. Use only the paper and pencil PSI supplies at a test center.
Can you use a whiteboard for the PSI remote exam?
Do not assume a personal whiteboard is allowed. The Illinois PSI booklet states that scratch paper is not permitted during remote proctoring. Use only a tool expressly authorized in the appointment instructions or through an approved accommodation.
Can you use paper for math on the remote exam?
No. The remote scratch-paper prohibition applies even when the question requires a calculation. Practice selecting the formula, identifying units, estimating, and using any interface tools PSI authorizes without depending on handwritten work.
Can you keep the test-center scratch paper after the exam?
No. Return the scratch paper and pencil during checkout. Examination notes cannot leave the test center.
Can you ask PSI for another sheet of paper?
The booklet promises a piece of paper, not an unlimited supply. Follow the test-center administrator's directions and use the provided sheet efficiently. Do not rely on receiving extra paper.
Should candidates who need scratch paper choose a test center?
Usually, yes. If written setup materially improves your math accuracy or focus, test-center delivery removes the remote paper restriction and also permits a physical calculator under the current booklet.
Does an accommodation change the scratch-paper rule?
Only an accommodation approved through the official process can change standard conditions. Do not bring or use paper based on a personal assumption. Follow the written approval and PSI instructions.
How should you practice for a paper-free remote exam?
Do short drills without paper, solve one operation at a time, keep units explicit, estimate the answer range first, use answer choices as a check, and flag long calculations for a second pass. Practice under remote conditions before keeping that delivery format.
Primary sources
- PSI Illinois Candidate Information Booklet dated June 24, 2026
- PSI Illinois Real Estate Examination Program
Your appointment confirmation, testing rules, approved accommodation, and proctor instructions govern the session.