Prefrontal cortex state representations shape human credit assignment

People learn adaptively from feedback, but the rate of such learning differs drastically across individuals and contexts. Here, we examine whether this variability reflects differences in what is learned. Leveraging a neurocomputational approach that merges fMRI and an iterative reward learning task, we link the specificity of credit assignment—how well people are able to appropriately attribute outcomes to their causes—to the precision of neural codes in the prefrontal cortex (PFC). Participants credit task-relevant cues more precisely in social compared vto nonsocial contexts, a process that is mediated by high-fidelity (i.e., distinct and consistent) state representations in the PFC. Specifically, the medial PFC and orbitofrontal cortex work in concert to match the neural codes from feedback to those at choice, and the strength of these common neural codes predicts credit assignment precision. Together this work provides a window into how neural representations drive adaptive learning.