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[baskila]

Educated gives back 4 points for previous levels when you take it but this is only viable for normal build.
Normal build - you take this perk at lvl 3 and it gives you back 2 point for previous levels - 4 points in total.
Gifted build - it also gives you 4 points but it should give 6 back (2 points for each lvl) as you take it on lvl 4.
Minor bug I know but still.

[Lidae]

Educated gives you +2 skill points for each level, down to and including level 3. You don't get skill points for level 1 or level 2. So if you take it at level 3, you get 2 extra skill points. Take it at level 4 and you get 4 extra skill points, and so on. The new skill points only show up after you close the character screen and open it again, because technical reasons.

[baskila]

Thanks for clarification Lidae. Turns out I was wrong there!