COMPARING INDIVIDUAL AIDRIVEN LEARNING WITH TUTORIAL CENTERS AND UNIVERSITIES IN THE 21ST CENTURY

The 21st century has seen a deep change in how mathematics can be learned, with artificial intelligence and modern information technology enabling personal learning paths that question the historical leading role of both private tutorial centers (coaching classes) and formal university education. This paper carefully examines the argument that individual AIdriven mathematics learning has become easier and, in some ways, more effective than studying at such institutions. Using a combined framework (Jumaniyazov, 2025d) and recent studies on teaching reform (Jumaniyazov, 2025a; 2025b; 2025c), this analysis looks at both approaches across several areas: teaching effectiveness, student motivation, thinking development, honesty in assessment, and social and economic access. The paper concludes that while individual AI learning offers unmatched advantages in tailoring to the student, reducing anxiety, and allowing flexible pacing, tutorial centers and universities still have important value in organized guidance, learning with others, and official certification. A combined model - rather than completely replacing one with the other - is the best way forward for mathematics education in developing countries and beyond.