The document presents a multivariate Elo-based learner model (m-elo) designed for adaptive educational systems, which addresses the challenges educators face in personalizing instruction for diverse student populations. It critiques existing learner modeling approaches like Bayesian Knowledge Tracing and Item Response Theory for being unsuitable due to their calibration needs and proposes m-elo as a self-correcting, more effective alternative. Evaluation results demonstrate that m-elo outperforms traditional Elo-based models in real-world settings, offering enhanced adaptability and interpretability for students.