I always translate the verbs to English without using the continuous aspect, it makes more sense to me and is easier that way. However, I have come upon one instance in Duolingo where the program required the continuous aspect to be written. As far as I am concerned, if you feel that you must translate it into proper English use the woman is learning. If it makes sense to you and you do not need to translate into proper English, go ahead and translate it as the woman learns.
You don't know from the words itself, because learning is a form of time not existing in german. You can say both and depending on the situation both translations are correct. ..ing if sb. is doing it just now, so if the woman sits in front of her book, she is learning. Maybe she just learns that you don't walk over red lights by gettING hit by a bicycle. In german one would circumvent this by adding "just now" or "at the moment" or sth.