As I have fairly recently started some new chars I would just remind you how it is.
When you get a decent fighter good enouph to get Rep by taking missions, you are probably already pushing the 40 limit, and if you have the money for the license you are probably over 40. 40 is easy to pass just getting what it takes to follow rules. If you give a new char money he is now over 40, but I need to buy a ship, get correct Rep, to buy license. Some time leway should be allowed at Admins discretion:)