Supporting Reflective AI Use in Education: A Fuzzy-Explainable Model for Identifying Cognitive Risk Profiles

Generative AI tools are becoming increasingly common in education. They make many tasks easier, but they also raise questions about how students interact with information and whether their ability to think critically might be affected. Although these tools are now part of many learning processes, we still do not fully understand how they influence cognitive behavior or digital maturity. This study proposes a model to help identify different user profiles based on how they engage with AI in educational contexts. The approach combines fuzzy clustering, the Analytic Hierarchy Process (AHP), and explainable AI techniques (SHAP and LIME). It focuses on five dimensions: how AI is used, how users verify information, the cognitive effort involved, decision-making strategies, and reflective behavior. The model was tested on data from 1273 users, revealing three main types of profiles, from users who are highly dependent on automation to more autonomous and critical users. The classification was validated with XGBoost, achieving over 99% accuracy. The explainability analysis helped us understand what factors most influenced each profile. Overall, this framework offers practical insight for educators and institutions looking to promote more responsible and thoughtful use of AI in learning.