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Let me tell you about two students.
The first one uses AI constantly. Every essay starts with a ChatGPT outline. Every tricky concept gets explained by Claude. Every homework problem gets at least a hint from an AI before real effort is applied. Their grades are good. Their output looks polished. Their teachers are impressed.
The second student uses AI sparingly — as a last resort after genuinely struggling with a problem. The work is messier. The process takes longer. Some of the outputs are rougher around the edges.
Here’s the question: which student is learning more?
The uncomfortable answer — backed by a growing body of research — is almost certainly the second one. And understanding why that’s the case is the most important thing any student, teacher, or parent can understand about AI right now.
The Case That AI Is Making Us Smarter
Let’s start with the argument in favor, because it’s real and it matters.
AI tools genuinely expand what people can do. A student who previously couldn’t get feedback on a draft until their teacher reviewed it on Friday can now get detailed, thoughtful feedback in seconds. A learner who was too shy to ask “basic” questions in class can ask an AI as many times as needed without embarrassment. A non-native speaker can get explanations in their own language with a single prompt.
These are not trivial gains. Access to personalized, on-demand educational support was once a privilege available only to students whose families could afford tutors. AI has democratized that access — imperfectly, but meaningfully.
The research reflects this too. Studies consistently show that students using AI-assisted learning tools produce higher-quality outputs than peers who don’t. Comprehension improves. Efficiency increases. Learning feels more accessible, more motivating, less intimidating.
For people who already have deep expertise in a domain, AI acts as a powerful force multiplier. An experienced doctor using AI diagnostics makes better decisions. A senior engineer using AI coding tools ships more reliable software. A veteran teacher using AI to generate lesson variations reaches more learning styles. When you bring existing knowledge and judgment to the table, AI amplifies both.
So yes — in the right hands, used the right way, AI absolutely makes people more capable.
The Case That AI Is Making Us Lazier
Now for the part that’s harder to admit — and more urgent.
The OECD’s Digital Education Outlook 2026 found that while students with access to general-purpose AI tools produce higher-quality outputs than their peers, this advantage disappears — and sometimes reverses — in exams when AI access is removed.
Read that again. Students who relied on AI to produce better work couldn’t reproduce that quality without it. The tool was doing the work. The student was operating the tool. Those are not the same thing.
The same report warned that offloading cognitive tasks to general-purpose chatbots creates risks of “metacognitive laziness and disengagement” — a sophisticated way of saying: if AI does your thinking for you often enough, you stop getting better at thinking.
A 2025 study by researcher Gerlich found a direct negative correlation between frequent AI tool usage and critical thinking abilities — and the effect was strongest in younger users. Not the students who used AI occasionally or strategically. The ones who used it heavily and habitually.
Meanwhile, a 2026 research paper on software developers found something striking: developers who fully delegated coding tasks to AI produced working code — but failed conceptual understanding tests afterward. They couldn’t debug what the AI had written. They had the output without the understanding. The output looked smart. The person hadn’t become smarter.
This is the core danger, and it has a name: cognitive offloading.
The Real Problem: Cognitive Offloading
Cognitive offloading is what happens when you transfer mental work to an external tool. Writing things down instead of memorizing them. Using GPS instead of building a mental map. Asking a calculator instead of doing mental arithmetic.
Some cognitive offloading is completely fine — even beneficial. Using GPS to navigate a new city frees up mental space to notice where you’re going. Using a calculator for complex arithmetic frees you to think about what the numbers mean.
The problem is when offloading replaces the development of a skill you haven’t built yet.
There’s a critical distinction that Psychology Today researcher Timothy Cook articulated clearly in early 2026:
“What AI does to a 45-year-old is likely categorically different than what it does to a 14-year-old. If I use AI to summarize a research paper, I’ve read hundreds of papers. I know what a good argument looks like — I’m offloading a task I already know how to do. A student who uses AI to summarize every paper may never develop that judgment at all.”
This is the crux. When an expert uses AI to skip a task they’ve already mastered, efficiency goes up and little is lost. When a learner uses AI to skip a task they haven’t mastered yet, they never master it.
Adults lose skills to AI. Children never build them. Those are two different problems — and the second one is the more serious one.
The Illusion of Understanding
There’s another phenomenon making this harder to see clearly: the fluency illusion.
When AI explains something clearly and engagingly, reading that explanation feels effortless. The ideas flow smoothly. You follow along without confusion. You finish and think: Yes, I understand that now.
Except — do you?
Cognitive science research consistently shows that ease of processing is a poor indicator of depth of understanding. Reading a brilliant explanation of how photosynthesis works is not the same as being able to explain photosynthesis yourself, apply it to a new context, or troubleshoot a plant biology problem. The smooth reading experience creates an illusion of competence that evaporates under any real test of knowledge.
When students use AI to get explanations — rather than to be questioned and challenged — they frequently experience this illusion. The material feels understood. The quiz or exam reveals it wasn’t.
The World Bank’s education blog framed this pointedly: “AI can make students produce smart answers without making them smarter thinkers.” That distinction is everything.
The Honest Answer: It Depends on How You Use It
Here’s where we arrive at the truth that neither AI optimists nor AI skeptics want to sit with: it’s not a binary.
AI is not inherently making us smarter. It is not inherently making us lazier. It is making us more of whatever we already are — and doing so faster and more efficiently than any tool that came before it.
The research is fairly consistent: AI tools that are used with intentional pedagogical purpose — to challenge, question, and push the learner — produce real and sustained learning gains. AI tools used as shortcuts — to retrieve answers, summarize content passively, or generate outputs — produce the appearance of learning without the substance.
What This Means for Students
The uncomfortable truth for students is that the most valuable thing AI can do for your learning is make it harder — not easier.
An AI that asks you follow-up questions when you give a shallow answer is more valuable than an AI that just gives you the answer. An AI that pushes back on your argument is more valuable than one that agrees with everything you say. An AI that refuses to write your first draft but offers to critique one you wrote is more valuable than one that writes it for you.
The students who will thrive in a world saturated with AI won’t be the ones who learned to operate AI tools most efficiently. They’ll be the ones who used those tools to develop genuine understanding, independent judgment, and the ability to think when AI isn’t available — or when AI is wrong.
Because here’s the thing: AI is sometimes wrong. And if you’ve never built the underlying knowledge to catch it, you’ll pass along its mistakes with complete confidence. That’s not smarter. That’s a new and more dangerous kind of ignorance.
What This Means for Teachers and Schools
For educators, this research points to a clear design principle: the goal should never be to remove AI from students’ hands — it should be to design learning experiences that remain valuable even when AI is present.
That means shifting the emphasis from outputs (essays, answers, solutions) to processes (reasoning, argumentation, iteration, reflection). It means creating assessments that test understanding — not just the ability to produce polished text. It means teaching students the difference between using AI to produce and using AI to learn.
Schools that ban AI entirely are preparing students for a world that no longer exists. Schools that allow unrestricted AI access without pedagogical guidance are setting students up for the illusion of competence. The narrow, difficult path between those two failure modes is the one worth building.
The Verdict
So: is AI making us smarter or lazier?
The honest answer is: both, simultaneously, for different people, in different proportions — determined almost entirely by how they choose to engage with it.
AI is a cognitive mirror. It reflects and amplifies what you bring to it. Bring intellectual laziness, and it will help you produce lazy work faster than ever before. Bring genuine curiosity and a willingness to be challenged, and it will accelerate your growth in ways that weren’t previously possible.
The tool is not the story. The intention behind the tool is the story.
And right now, in classrooms and offices and bedrooms around the world, millions of people are making that choice — often without realizing they’re making it at all.
The Question Worth Asking
“Am I using this AI to produce something — or to understand something?”
Your answer to that question, repeated every day, will determine which kind of AI user you become.
Written by
Saifullah Khalid
Exploring AI, education, and human intelligence at saifullahkhalid.com
? Know someone who uses AI for everything? Or someone who refuses to touch it? Share this with both of them.