diff --git a/src/main/java/com/example/whiplash/term/controller/TermsController.java b/src/main/java/com/example/whiplash/term/controller/TermsController.java
index 7770b0b..6851da2 100644
--- a/src/main/java/com/example/whiplash/term/controller/TermsController.java
+++ b/src/main/java/com/example/whiplash/term/controller/TermsController.java
@@ -29,12 +29,6 @@ public class TermsController {
 
     private final TermService termService;
 
-    @PostMapping("/explain")
-    @Operation(summary = "용어 AI 설명요청", description = "용어에 대한 AI 설명을 요청한다.")
-    public ApiResponse<?> getTermsExplain() {
-        return null;
-    }
-
     @PostMapping("")
     @Operation(summary = "용어 저장", description = "용어를 나의 용어사전에 저장합니다.")
     public ApiResponse<?> addTerms(@RequestBody TermAddDto termAddDto, @AuthenticationPrincipal UserPrincipal principal) {
@@ -48,11 +42,14 @@ public ApiResponse<?> addTerms(@RequestBody TermAddDto termAddDto, @Authenticati
 
     @GetMapping("")
     @Operation(summary = "용어 리스트 조회", description = "나의 용어사전에 저장된 용어 목록을 조회합니다.")
-    public ApiResponse<?> getTerms(@AuthenticationPrincipal UserPrincipal principal) {
+    public ApiResponse<?> getTerms(@AuthenticationPrincipal UserPrincipal principal,
+                                   @RequestParam(defaultValue = "0") int page, @RequestParam(defaultValue = "20") int size) {
 
         Long userId = principal.getUserId();
 
-        List<DictionaryTermListResDto> dicTermListResDto = termService.getTerms(userId);
+        Pageable pageRequest = PageRequest.of(page, size);
+
+        Page<DictionaryTermListResDto> dicTermListResDto = termService.getTerms(userId, pageRequest);
 
         return ApiResponse.onSuccess(dicTermListResDto);
     }
diff --git a/src/main/java/com/example/whiplash/term/entity/UserTerms.java b/src/main/java/com/example/whiplash/term/entity/UserTerms.java
index 61d356a..397da8a 100644
--- a/src/main/java/com/example/whiplash/term/entity/UserTerms.java
+++ b/src/main/java/com/example/whiplash/term/entity/UserTerms.java
@@ -14,7 +14,9 @@
         uniqueConstraints = @UniqueConstraint(
                 name = "uk_user_terms",
                 columnNames = {"user_id", "terms_id"}
-        ))
+        ),
+        indexes = @Index(name = "idx_user_terms_user_id", columnList = "user_id")
+)
 public class UserTerms extends BaseEntity {
 
     @Id
diff --git a/src/main/java/com/example/whiplash/term/repository/UserTermsRepository.java b/src/main/java/com/example/whiplash/term/repository/UserTermsRepository.java
index acf3c68..14b045f 100644
--- a/src/main/java/com/example/whiplash/term/repository/UserTermsRepository.java
+++ b/src/main/java/com/example/whiplash/term/repository/UserTermsRepository.java
@@ -14,7 +14,10 @@
 
 public interface UserTermsRepository extends JpaRepository<UserTerms, Long> {
 
-    @Query("select ut from UserTerms ut join fetch ut.terms t where ut.user.id = :userId")
+    @Query(value = "select ut from UserTerms ut join fetch ut.terms t where ut.user.id = :userId",
+           countQuery = "select count(ut) from UserTerms ut where ut.user.id = :userId")
+    Page<UserTerms> findByUserId(Long userId, Pageable pageable);
+
     List<UserTerms> findByUserId(Long userId);
 
     // 중복 체크용
@@ -36,10 +39,12 @@ List<UserTerms> findByUserIdAndCreatedAtBetween(
      * ⭐ 용어명 부분 검색 (LIKE '%keyword%')
      * 예: "금" 검색 → "금리", "금융", "환금성"
      */
-    @Query("SELECT ut FROM UserTerms ut " +
+    @Query(value = "SELECT ut.* FROM UserTerms ut " +
+            "INNER JOIN terms t ON ut.terms.id = t.id" +
             "WHERE ut.user.id = :userId " +
-            "AND LOWER(ut.terms.termName) LIKE LOWER(CONCAT('%', :keyword, '%')) " +
-            "ORDER BY ut.createdAt DESC")
+            "AND MATCH(t.term_name) AGANIST (:keyword IN BOOLEAN MODE) " +
+            "ORDER BY ut.createdAt DESC",
+    nativeQuery = true)
     Page<UserTerms> searchByTermContaining(
             @Param("userId") Long userId,
             @Param("keyword") String keyword,
@@ -65,7 +70,7 @@ List<UserTerms> searchByTermStartsWith(
      */
     @Query("SELECT DISTINCT ut.terms.termName FROM UserTerms ut " +
             "WHERE ut.user.id = :userId " +
-            "AND LOWER(ut.terms.termName) LIKE LOWER(CONCAT(:keyword, '%')) " +
+            "AND LOWER(ut.terms.termName) LIKE CONCAT(:keyword, '%') " +
             "ORDER BY ut.terms.termName ASC")
     List<String> findTermSuggestions(
             @Param("userId") Long userId,
diff --git a/src/main/java/com/example/whiplash/term/service/TermService.java b/src/main/java/com/example/whiplash/term/service/TermService.java
index bf1dd58..400d311 100644
--- a/src/main/java/com/example/whiplash/term/service/TermService.java
+++ b/src/main/java/com/example/whiplash/term/service/TermService.java
@@ -68,23 +68,22 @@ public void addTermToDictionary(TermAddDto termAddDto, Long userId) {
         userTermsRepository.save(userTerms);
 
         // 비동기 퀴즈 생성 요청
-        quizPreGenerationService.generateQuizAsync(userId, dicTerm.getTermName());
+//        quizPreGenerationService.generateQuizAsync(userId, dicTerm.getTermName());
     }
 
     /**
      * 용어 목록 조회
      */
-    public List<DictionaryTermListResDto> getTerms(Long userId) {
+    public Page<DictionaryTermListResDto> getTerms(Long userId, Pageable pageable) {
 
-        List<UserTerms> dicTermList = userTermsRepository.findByUserId(userId);
+        Page<UserTerms> dicTermPage = userTermsRepository.findByUserId(userId, pageable);
 
-        return dicTermList.stream()
-                .map(dicTerm -> DictionaryTermListResDto.builder()
-                        .userTermId(dicTerm.getId())
-                        .termDescription(dicTerm.getTerms().getAiExplanation())
-                        .termName(dicTerm.getTerms().getTermName())
-                        .createdAt(dicTerm.getTerms().getCreatedAt())
-                        .build()).toList();
+        return dicTermPage.map(dicTerm -> DictionaryTermListResDto.builder()
+                .userTermId(dicTerm.getId())
+                .termDescription(dicTerm.getTerms().getAiExplanation())
+                .termName(dicTerm.getTerms().getTermName())
+                .createdAt(dicTerm.getTerms().getCreatedAt())
+                .build());
     }
 
     /**
@@ -93,11 +92,13 @@ public List<DictionaryTermListResDto> getTerms(Long userId) {
     public TermExplainResDto getTermExplanation(String term) {
         Optional<Terms> findTerm = termsRepository.findByTermName(term);
 
+        // 기존에 누군가가 AI설명을 요청한 이력이 있다면 -> 바로 응답
         if (findTerm.isPresent()) {
             Terms terms = findTerm.get();
             return new TermExplainResDto(terms.getTermName(), terms.getAiExplanation());
         }
 
+        // 없으면 서버 요청!
         return aiServerClient.getTermExplain(term);
     }