Spending money on your education has never been a bad thing. However, consider the alternative: the ability to purchase skills, rather than experience.
Then, throughout the game, you could populate the land with language trainers, weapon trainers, and so on. If you care to spend the money, then you could get x skill no problem. Perhaps at a cost of 10 * (1 + MY_CURRENT_SKILL/10) pp for each 1 skill point.
The logic would most likely look like this:
if you've given money to the NPC
if the NPC is a trainer-type-simple
and its enough to buy a skill point (return any extra money spent)
and your faction is high enough
if the NPC can train (you haven't maxed the skill out)
then "train" the player 1 point in the skill that this npc trains in
--MV
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