Write from the opposing side of an argument, using third-person limited omniscience.

Karen felt that Will was missing the point. It's not about when the money has to be paid back, it's about the amount expected. £27000 is a lot of debt for any young person to have hanging over their head. They were asking students to gamble with their education. How many could afford to find out if it was worth it? It didn't matter that the debt only applied to those earning over a certain amount. It was like the bomb waiting to arm when you go over 50. Will made the argument that you might never earn that much. Big comfort, that was. And planning an arts degree, Karen had resigned herself to never being rich, but had hoped she might eventually be able to live comfortably. That wouldn't be easy once she hit the magic number. And it wasn't like the economy was thriving. She might not get a job in her field. She imagined herself four years down the line, sending CVs out to one dull company after another, knowing that the lasting legacy of her degree was a future of contributions to the government. But she couldn't expect Will to understand. His parents would pay for everything up front. He would be free at the end of it.