Point at- using your index finger to indicate someone, usually in a manner taken as impolite, because they see you pointed at them.
Point to- using the index finger in the same way, discreetly, so that only the person you're helping notices the finger.
Point out- using any means, including words, to draw your interlocutor's attention to someone. For example, at the opera, "Look at the lady with the huge pink hat."
Student or Learner