AI can produce a clean summary of a chapter in seconds. The summary is not the learning. The peer-reviewed evidence on how memory actually consolidates points to a different way of using AI for study, one that keeps the cognitive work where it has to happen, in your own head. A psychologist's five-step system, with the prompts.

AI is now a quiet third presence in many people's emotional lives. It helps them think, sometimes more clearly. It also misses crisis cues, mirrors distorted beliefs, and can deepen the very patterns therapy is meant to interrupt. The clinical question is not whether to use it, but how to use it without making the underlying problem worse. A psychologist's view, with the prompts.