It was written:
I've finished my last term. My last picked class was a service class like Navy. I don't have enough experience points to make my next level. Do I begin play as active duty Navy and not muster out and muster out when I pop a level and can change classes?
An example. Gurmesh Vulleian is a 4 term Navy officer. He is also a 7th level Navy character with 2000 exp needed to make 8th level. He has no other classes being a dedicated Navy man. His tour of duty ends and he decides its time to leave the Navy (i.e. and begin play).
What class do I begin play as? Do I muster out? Do I stay active duty? What if it takes several years to reach that next level? It seems to me there needs to be a clean way to end a term and be able to begin play. Perhaps a rule that says your last selected class must be a core class.
Gurmesh Vulleian starts play as a soph retired from the Imperial Navy.
In game terms, he is a 7th level character. He is currently a single classed character, so he's also 7th Level Navy.
You only need 2000 XP to make 8th level. So you and your gang of Adventures successfully defeat a local noble in a duel and transport a cargo hold of cows several systems and collect the fee from the buyers before they got arrested (and Fox wants to cancel Firefly...).
Bottom line, you get your 2000 XP. That makes Gurmesh a 8th level character. So...since you mustered out of the Navy, you can't take your next level in Navy (unless your GM lets you run your character as still being in active Navy service, but that's another ball of wax we'll eave alone right now). So you can multiclass into any class you can according to the rules (academic, rogue, mercenary, traveller, merchant, and noble spring to mind). You apply the level you just earned to that class.
So...Gurmesh Vulleian is now an 8th level character, multiclassed. 7 levels in Navy Class and 1 level in, oh to pick one at random, Traveller. You get all the starting feats of the Traveller class, but not the x4 skill multiplier, which is for first level characters, which Gurmesh is not, he's an 8th level character.
You assign your new skills using the Traveller class core skills, not Navy.