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Betul lah orang cakap, waktu belajar cara sembang lain. Bila dah kerja, cara sembang pon lain lah. Contoh perbincangan waktu belajar dulu. 

"weh, esok kelas aku pukul 8. Jom lah balik bilik." 
"lek lu. Baru pukul 12, takkan nak tidur dah? Gila tak remaja." 
"hotak ko. Eh, kau tau tak PTPTN buat skim ujrah yang interest dia 1% tu?" 
"really? Dah alang-alang 1% tu. baik bagi free je. Kerajaan banyak duit, mak bapak kita bayar cukai ribu riban tiap bulan. Entah kemana duit tu pergi. Masuk poket menteri. Macam lah kita ni bodoh." 

perbincangan waktu dah kerja. 

"Bro, amacam kerja sekarang? Ok?" 
"boleh la. Kerja banyak, meeting sana sini. Ko join bersih haritu?" 
"tak sempat nak join la. Ada hal sikit. Ko tau cite pasal issue free education tu?" 
"tula. Aku pon in a way tak la support that matter sengat. Tapi kalau dia nak mintak for interest free education loan, aku sokong. Bukan apa, memang in some European countries, Spain per say. They can afford to provide free education for their nations. Sebab apa? Tax bracket dia are much higher than us. The lowest bracket (0 - 17,707€) kena tax 24.5%. kita, the highest bracket (>250k) just kena tax 26%. then, their highest bracket are subject to 52% tax. Doubled from us. From that tax income, they can allocate some portion for education fund which are not entitle to all. Record kena bersih and habiskan high school baru boleh dapat that allocation. It's not easy to provide free education for all, plus they really need to determine all the potential risk that may arise and the way to mitigate all the risk." 
"true. Tapi kerajaan Malaysia pon silap. All the t&c and fees structure regarding PTPTN pon diorang tak explain thoroughly. Bukan susah pon nak apply PT. isi form, beli setem hasil, matikan setem, hantar borang. If they really shows the interest calculation, for sure student akan fikir banyak kali whether to apply for it or not. Memang end figures diorang bagi, tapi explanation tu kena lah ada. For certain student, yes it is self-explanatory. Tapi kalau yang memang xde background finance/figures-savvy tu, memang pening kepala la. Last-last apply je, bila dah grad baru fikir cara nak bayar." 
"pemimjam pon silap jugak. Kalau dah commit ambil loan tu, kenalah commit nak bayar jugak. Bila nama dah kena blacklist tak boleh keluar negara, baru terkial-kial nak bayar. Pendek kata, salah dua-dua pihak. Kalau masing-masing tahu their own roles and responsibilities, takde issue ni nak timbul. Tapi kalau PTPTN nak propose to provide free interest loan, memang aku setuju sangat lah. Tapi subject to their own criteria la. For instance, siapa yang dapat 2nd class upper ke atas." "precisely. Okla bro, aku nak chow dulu. Dah lewat malam ni, kalau bangun lambat esok for sure stuck kat dalam jam. KL, mana-mana tempat pon jam. Tak payah nak tunggu ada Bersih 10.0 ke, dah memang sejak azali jalan kat KL ni jam kalau keluar rumah lambat sikit. Assalamualaikum." 

Nampaklah cara pemikiran pelajar dan orang bekerja ni berbeza. Tapi tak semua macam ni. Ada student yang memang mampu untuk berfikir dan berhujah menggunakan fakta dan ada jugak orang bekerja yang fikir dan cakap tanpa berfikir terlebih dahulu. Apa-apa pon, don't make any judgement and assumptions without knowing the facts and gather the infos first. 

Selamat malam!