It's possible to change jobs by visiting the guild of the job you want to change to. However, if you change to that job from anything but novice, your job level goes back to 1, and your base level is halved.
In this process, your remaining stat points are returned.
The good news is, you can take the storyline allies with you to a high level area to rush you back up to speed. (it takes a little while, though)
Hope this helps anyone who's curious.
Also: You can go through rebirth as well, but that essentially resets your character and adds the potential for more stat points. --- I laughed so hard I threw up! :D <Proud interceptor of high-fives>