Your current level has nothing to do with your multipliers. Your multiplier goes up by one for every two advances you make under a certain attribute. For example: If you want a 5X under Willpower, make sure you level up 10 times with any combination of Alteration, Destruction or Restoration. For maximum gain per level raised, I chose two Attributes to level up and made sure I trained them each ten times. When I leveled up, I then had a two 5X's and used the other one to raise my luck. As a result, my character will be maxed with 100's for every attribute except luck which will be about 90. It is important that you get your desired training finished before getting your 10th step towards the next level because after that, they will be used for the next level, not this one. Hope that didn't confuse you more!
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