Nov 2, 2025

The Cognitive Debt Crisis - A Data-Driven Forecast Analysis of AI’s Impact on Human Thinking

Preetham Sathyamurthy, Varun Balakrishnan

We are accumulating debt of cognition / decline in critical thinking capability by outsourcing our thinking to AI.

Between 2022 and 2024, ChatGPT adoption grew from 1% to 9% of the global population while humanity’s measured cognitive ability—based on standardized assessments like PISA and NAEP—declined by 1.1 points, a 96% acceleration over the pre-AI baseline. Our data-driven forecast model, calibrated against real-world data (RMSE = 0.22), projects a global cognitive index below 92 by 2027–2028 and 81–87 by 2030. ChatGPT adoption is occurring 18.4× faster than social media’s historical rate, compressing a 15-year cognitive impact timeline into less than one year. Six recent studies mechanistically validate the concept of cognitive debt—demonstrating neural connectivity loss, cognitive effort reduction, and dependence on AI systems. Our findings reveal a two-year window where collective action by 2026 is three times more effective than delayed intervention. This is not dystopian speculation but a mathematical projection grounded in observed data. We have two years to figure out ways to preserve human cognition decline and improve it.

Reviewer's Comments

Reviewer's Comments

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* The concern of cognitive decline as a result of AI use is of critical importance, and I'm happy to see others treating it as such!

* While this is an area we need to be investigating, the analysis conducted is primarily speculative, based on the fact that cognitive decline has increased in the past few years, which also happens to match when ChatGPT was first introduced. This is a bold claim, so we need very rigorous evidence; examining correlation between adoption of AI and cognitive decline, correlation between model capabilities and decline, assessing thoroughly the possibility of alternate explanations (especially those posited by other scholars researching this area), and comparing cognitive decline as seen by the index to studies which have investigated mental ability whether or not the person used AI for the task would just scratch the surface of the kind of validation that would be needed.

Cite this work

@misc {

title={

(HckPrj) The Cognitive Debt Crisis - A Data-Driven Forecast Analysis of AI’s Impact on Human Thinking

},

author={

Preetham Sathyamurthy, Varun Balakrishnan

},

date={

11/2/25

},

organization={Apart Research},

note={Research submission to the research sprint hosted by Apart.},

howpublished={https://apartresearch.com}

}

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This work was done during one weekend by research workshop participants and does not represent the work of Apart Research.
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