If you are doing character creation manually, make sure you calculate correctly, keeping in mind that you must use ALL your skill points, and that 1 level is not necessarily equivalent to 1 skill point. You assign skill points, and levels are:
Level 0: 0 pts
Level 1: 1 pt
Level 2: 2 pts
Level 3: 4 pts
Level 4: 8 pts
Level 5: 15 pts