@gabriel In such situations - students who only have limited access to human tutors and advisors, and have a lower risk appetite than more privileged students - I would say that the optimal and risk-managed use of resources would be to have the student set up their own study plan with some AI assistance, and then use their limited time with human tutors to go over that plan and make suitable adjustments, if they do not have the resources to hire a full time tutor to create a fully comprehensive plan from scratch.
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