Does unrestricted AI access bypass the cognitive effort required for learning, or does it streamline knowledge acquisition? This paper reports on a study where we compare three designs for user-AI interaction in a learning context: (1) an unrestricted conversational bot like ChatGPT, (2) a pedagogically constrained bot that guides through hints without giving final answers, which we refer to as the Socratic mode; and (3) a non-conversational adaptive tutoring system that adjusts difficulty in real-time based on the user's cognitive engagement derived from the brain signals. Fifty study participants were tasked with learning about nuclear safety protocols, a domain chosen for its zero-prior knowledge baseline. The participants progressed through an instructional video, a pre-test, an AI-driven assessment phase, which varied in the three conditions, and an immediate post-test. The nature of the questions centered primarily on factual knowledge acquisition, but it still required participants to have a global understanding of the concepts in order to answer the questions correctly. A Muse headband was used to derive the cognitive engagement of all users in all conditions. The unrestricted chatbot produced higher learning gains (delta) than both constrained modes (p < .03, d > 0.80), while the adaptive condition generated significantly higher EEG engagement (p = .018). The cluster analysis of chatbot usage and discussion patterns by users showed that most participants in the unrestricted-mode adopted a direct answer-retrieval strategy, while participants in the Socratic-mode initially attempted to reason through the hints before progressively disengaging. Consequently, this also suggests that the success of the unrestricted AI is not an evidence of deeper learning, but rather a result of the immediate post-test evaluation after the training phase.

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