This study investigates integrating data-driven learning and Generative AI within the Meta-Cognitive Resource Utilization Framework (MCRUF) and its potential to enhance educational outcomes. It highlights how AI-driven tools can personalize learning experiences, foster meta-cognitive skill development, and offer real-time feedback to improve learner autonomy and engagement. However, the study identifies key challenges, such as over-reliance on technology, digital literacy gaps, data privacy concerns, and unequal access to AI resources. The findings suggest important implications for educators and policymakers, emphasizing the need for ethical guidelines, equitable access, and a balanced approach combining AI assistance with active learner participation. Future research should focus on long-term impacts and strategies to ensure responsible implementation of these technologies.