Is there any penalty for not changing job?

[NotMyWay]

if a level 20 character changes job and then levels to 21, would the hp/sp be the same as someone who changed job at level 21, or would there be any less hp/sp (if both have same builds/items)?

[Blaaaaaaaah]

I'm guessing that they stats and stuff should all be the same as someone who has done the job change.

The only penalty is that they can't learn the skills. Right..? -thinks-

Oh and I don't think someone who hasn't done the job change can equip the higher levelled stuff, anyway.

[NotMyWay]

Well but one thing i know is that ur hp and sp increase when u complete the job change... and i was wondering if it matters if i complete the job change 1 level later?

[Blaaaaaaaah]

Really? Ohh I never knew that.

I don't think it really matters when you do your job change. Because after completing the quest, your hp/sp should still go up. Just guessing though. x-x

[Yosei]

It doesn't change when you level I believe. For instance the mages at level 20, the clone has 4k Hp, if you do it at 25, the clone will still have 4k HP.

[Patchouli]

There is some minor stat differences because you get a small stat boost upon completing the job change, and you can't equip any new equipment. There's no difference at the job change, even if you level up to 40-something before doing it.

[Enraya]

And you also get 5 more stat points to add =)