Getting to lv 100 with 25% magic guard

Anyone know how people are getting different MG levels though? One of my friends is stuck with 6 SP and can't add anymore =(

But i know they didn't get all the quest SP so that might be why (Didn't actually get any quest SP for that mastery)

I have 6 SP left over, because I forgot to add SP when I leveled to level 39.

And now I can't do anything about it.