Making judgments of learning (JOLs) can directly influence memory, a phenomenon termed the reactivity effect of JOLs. However, controversy surrounds the mechanism behind JOL reactivity. This study employs related and unrelated word pairs as learning materials to compare memory outcomes across different JOL conditions. We contrasted the traditional JOL reactivity paradigm with a covert retrieval induction paradigm to explore whether JOLs impact memory through covert retrieval. In Experiment 1, data from 40 participants (18 females, 22 males) were analyzed, revealed distinct patterns between the two paradigms. When word pairs are presented entirely, the JOL group outperforms the no-JOL group in memorizing related pairs, aligning with traditional JOL reactivity. Conversely, when target words are omitted, the JOL group’s memory resembles that of the no-JOL group. This comparison suggested that JOLs may prompt covert retrieval. In Experiment 2, which involved manipulating the retrieval strength, data from 52 participants (46 females, 6 males) were analyzed, yielded results consistent with those of Experiment 1. We conclude that covert retrieval significantly contributes to the JOL reactivity effect, enhancing memory through JOL-induced covert retrieval.