What I suggest to do with stealing the password is of course to go with the hardware keylogger. If you don't have that there is another, cheaper way. Shoulder-surfing. You just crash the computer and ask the admin or librarian or whoever to come over and fix it for you. Then jus remember the password as they type it in. This works for me since I kinda have a photographic memory but it shouldn't be that hard, just practice it a little. The easiest way to crash a Win 9x machine is to type "C:/aux/aux" in a address bar, the run program, or even Internet Explorer. It will give you the blue screen of death. If you don't remember the whole password the first time do it again. It will piss them off a little but just act like you don't what shit about computers. Make them feel superior, like they are helping this poor little kid who needs to do his homework.
I KNOW EVERYTHING. ASK ME.