Abstract: This invention relates to a system and method for effective and efficient learning (EEL), with interactive, adaptive, and individualized computer-assisted instruction to students, which can be implemented on the Internet, network connected computers, single computer or other devices including designated device. More particularly the system and method includes for each student a student dynamic record adapted to the student which contains the student's personal profile that includes learning style, ability (analysis, understanding, memory, reasoning, deduction, generalizing, applying, and speed), personality, interest, and background knowledge. The student dynamic record reflects its student's behavior in responding to instruction. The EEL system also includes an AI engine consists of a self-improved dynamic rule base, which selects the materials in a knowledge base to control the instructional progress, and guides its student according to educational and psychological theories.