Oops. My bad. I don't have the Fallout Tactics guide so I went back and looked at the perk descriptions on the NMA-fallout.com website under Fallout 2. What the swift learner does for you is not add skill points when you level up. Rather (according to0 MNA's Character Guide- Perks List,
"Each rank of this perks adds an addition +5% to your character's experience point total whenever your character earns experience.
Seems to me that this means that is your character picks a lock and gets normally 50 experience points for the job than actually, with the swift learner, you would get an extra 2.5% for a total of 52.5 experience points. These tally up so that you can level up.
Compare this to the Educated Perk whcih is supposed to add +2 skill points when your character gaions an experience level. Note that Swift Learner comes in level 3 and educated comes later.
Hmphff! But maybe this can tally up well depending on who you fight.