I just had a discussion with 10 to 12 years old kids today. They are not using AI to learn, they are using it to cheat. It's not a moral judgement, it's what they, themselves, told me today in front of their peers. Initially they claimed it was an aid to get homework done, then their own peers asked few questions to clarify and they themselves came to the conclusion (after quite some pushback and mental gymnastic) that it was indeed to cheat.

So... ask kids themselves, see what they do and what they say, it's fascinating.