It's quite a nasty habit.
I don't do it out loud, though, not at all. I do have conversations with a voice that seems to originate from my mind. I'll most likely do it when I can't come up with an answer to a problem, so school is a likely location for the conversations with myself to reoccur. The benevolence of the "voice" is quite delightful, although, sometimes I can disagree with myself.