The Difference Between Knowing an Answer and Knowing How to Find It
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Imagine a student learning to play a musical instrument.
After weeks of repetition, they know how to play a song perfectly from beggining to end. When asked to play the song, they can. That is one kind of knowledge: knowing how to reproduce something they have learned. But what happens when you ask them to change the key, improvise an ending, or explain why certain notes work together?
Knowing how to play the song isnt necessarily the same as understanding the song. A deeper musician understands what sits under the music being played: the scale it is built from, the chord progression, the rhythm and the intervals between the notes. They dont only know what to play, they understand why it works. As a result, they can adapt that knowledge to something new.
Learning works much in the same way. A student can memorise the steps to a particular maths problem, remember a model paragraph for an essay, or learn a scientific definition. But when the question changes, memorisation alone is rarely enough.
Students who understand underlying concepts are better equipped to approach unfamiliar problems. If they forget a formula, they may be able to reconstruct it from principles they understand. If an exam question is presented in an unfamiliar way, they have a framework to work through it rather than solely relying on recognition.
Therefore, the aim in tutoring should be not only be helping a student arrive at the correct answer, but helping the student develop the reasoning that allowed them to arrive there. That is what makes learning transferable.
The goal is not to walk into an exam having memorised the answer to every possible question. The goal is to know enough of the underlying building blocks that, when something unexpected appears, you arn't caught off guard.

