OoC thread

[Crozar the Sunspot]

Now we get to the part I don't fully understand.  With my level differential, do I actually go to second level?  I was under the impression that I basically do not change until I hit 6th level, at which point I can pay off the difference and level normally from that point forward.  Or is that I advance in level normally, but when I hit 6th I basically drop back in level?  I will need someone to explain this to me.