’Learning’ means ’gaining knowledge’. So, when you learn something, you can use this knowledge/skill.
- I learnt to ride a bike when I was six.
Meaning I could ride the bicycle because I gained the skills and knowledge to do it.
- I want to learn English.
Meaning, this is your objective. You want to have all the skills and knowledge to speak English fluently.
’Studying’ is a process that usually includes ’reading and memorizing information’ in order to learn something.
- I’m studying accounting.
Meaning, accounting is a subject I’m reading a lot about (possibly at school) so that one day I can become an accountant.
- I studied French at school, but I don’t remember a word.
Meaning, French is something I used to spend time with (reading, memorizing), but I didn’t learn it. I can’t speak French.
