Fighters you can change early without any real drawbacks.
Magic users you should develop to around level 14 allowing them to learn the best of the higher spells before changing their class.
Remember that rising in GUILD level is as important as charcter levels. Each time you complete a quest for a guild, they raise your level and this gives you additional subjects in which to train.
Hopefully Saz will come along and give you all the really excellent details on this - he's excellent!
Hope this was at least some use! Also try doing a search on changing classes - there are many threads on this subject!
Wyv
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