I'm a student, and I make a new git repo for each assignment or class. Github would become extremely expensive if I was to do this. And my model for working on

I'm a student, and I make a new git repo for each assignment or class. Github would become extremely expensive if I was to do this. And my model for working on git projects is not distributed. We use a centralized model (which is totally viable and one of the many uses) instead of pull requests and branches. On small projects, I find this faster and easier for people to use. Yes, I have backups, but when my centralized repo goes down, it's annoying to tell people to start pushing and pulling to a USB drive. Workflow is the issue, not losing work.