A learner combines her/his previous schemas or modifies them as per new experiences. The process of combining/modifying existing schemas and to arrive at new schemas is known as

The correct option is Accommodation.

In Jean Piaget's theory of cognitive development, children construct mental models of the world called schemas (building blocks of knowledge). As children interact with their environment, they process new information using two primary complementary processes: assimilation and accommodation.

Assimilation occurs when a learner fits new information into existing schemas without changing them. For example, if a child knows what a dog is and sees a cat for the first time, they might call it a dog because it has four legs and fur.

Accommodation, on the other hand, occurs when the learner's previous schemas do not work for the new situation. In this case, the learner must either modify their existing schemas or create completely new schemas to fit the new experience. The process of modifying or combining existing schemas to arrive at new ones is precisely what defines accommodation.

Therefore, the process described in the question—combining or modifying existing schemas based on new experiences—is known as Accommodation.