There is a much simpler way of calculating how many skill points you require to reach the next skill level. All this adding totals and then finding numbers that can be divided by 75, is a complicated way of doing it. Just work on the principal that each of the 3 categories need to be 40 to gain the star. Then its simple.
Your player has 34 defence, meaning he needs another 6. As quality rises by 0.2 per skill point, it takes 5 for each whole point. Thus, 6 x 5 = 30.
Then he has 37 attack points, meaning he nedds another 3. So, 3x5 = 15.
Finally, he has 35.2 physical points, meaning he needs 4 to reach 36, and then 4x5 = 20.
Add the totals together and you will find the total needed. So 30 + 15 + 24 = 69 skill points needed.
Hope this dosen't sound too complicated. It really isn't.
Don't forget also, when doing it this way, if a player has already got MORE than the total required in a particular category, you just simply subtract the amount over from the required amount for the other two.