I got within 300 experience using the rules, then figured, eh, it's the concept.
I used:
Lyran/Coventry Affiliation
War Orphan Stage 1
Space Family Stage 2 (given what she was recruited into)
Academy Stage 3 (with OCS)
Explorer, Tour of Duty and two Civilian Jobs Stage 4s
Major Traits:
Buffered VDNI with Triple Core Processor (the Processor gives a whopping +5 to all INT based skills, but drops BOD and CHA by 1 each)
In For Life, Handicapped -5 as described by Cannonshop
Her INT is only 7, but with the Triple Core Processor, that's WAY more than enough. STR and BOD are 1 each (after the penalty for the Processor). Not that AToW does Target Numbers, but if it did, her base TN for K-F Navigation is -4.