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Looking at the Payday 2 skill calculator, it is stated that a level 100 character will have 120 skill points in total. If I set the skill calculator to my current level it states I have 65 points to spend at level 55.

Since you only get a skill point each time you level, where do the other 20 skill points come from and when do you get them?

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You get 1 skill point per level and every 10 levels, you are awarded with 2 additional skill points, totalling in 120 skill points on level 100.

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From this answer:

You earn one skill point per level and two additionnal skill points every 10 levels for a total of 120 skill poins.

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