If  you  open  the player.db file a hex editor, you can edit your
points.  Go  down to offset 2544, then enter the value 286B. This will
give  you  about  27,400  points to start your captain with. It should
give you all of the possible sub improvements and leave about 7000pts.
to put into your crew.

     This  can  be  done  before you begin your first mission. All you
have  to  do  is  create  a  captain,  and  then exit the game without
choosing a mission.

     You  can  use  the  cheat  again  after your first mission to get
another 27,400 pts. but you will only be able to use about 5000 to max
out your sub and crew.