FYI Jigsaw, it's WAY faster if you level up to 25 or more and then train at uni.
Once you hit lvl 10 you can train a rat, which is fun.
Once you hit lvl 15 you can enter cart races with the cruddies cart out there, and even if you place last in every race (6 races per reset, 12 per day) you get 1500 tokes.
Tokens going for 30-32$ each that's $45,000 a day you can make just selling off winnings from cart races.
30 days at uni to 1000 Int, 45K a day, that's 1.3million you can make just off tokens alone training up at uni.