My 2026 Successful Borrower Defense to Repayment Case: $190,000 Scrubbed for Institutional Misconduct (ISYN!).

here, I’ll share great news of an incremental win in terms of my ‘naturopathy educational exploitation’ while acknowledging that the fight is perpetual and larger than just my case, my experience, and merely loans:

[2026-09-26. Note: I am not whole, I’ll emphasize – as in my quarter-century-plus career hole created by the AANP-AANMC-CNME-CAND-NABNE-CNPA etc. induced diversion / falsehood].

001. my student loan aggregate has been largely annulled!!!:

after decades of carrying a very large amount of student loans due to graduate school — a poor boy trying to get forward since the mid-1990s; like being at the bottom of an empty, 1-mile deep well eventually — I owe a lot less money in light of the Department of Education’s acceptance of my borrow defense to repayment argument this 2026.

presently, I do not know the details of their thinking as such hasn’t been communicated -- what is still outstanding is part of a program I attended that had loans discharged.

at its largest, the education debt looked like this or so in 2025 while in good standing [about $190,000]:

 

 and I’d always say it was like having a mortgage but without the house to show for it.

as in debt slavery. 

yes, quite remarkable!

indeed miraculous -- to now be a partial school misconduct survivor.

as the .gov site states [I'll paraphrase]:

institutional misconduct is a definitive, foundational trait of an approved borrower defense to repayment discharge.

A 2026-10 AANMC Video: ND Students, Science, Coded Vitalism, and What It Could Mean in Terms of 'Making'?

here, using some ai-llm muscle on a recent AANMC video which had current ND students from each member campus participating [I’ve anonymized the individuals]:

001. the AANMC video is their 2026-10-12 upload “The Making of an ND: Medical Student Panel” which I carefully transcribed by way of WhisperX and then proofed

002. contents:

002.a. the science statements included:

“[host's definition of naturopathy] naturopathic medicine first and foremost combines that science and nature, okay? [...the slide says] 'naturopathic medicine combines the rigors of science with the healing power of nature.  Mind, body, spirit' [...host continues] you can see Canada, the United States and Puerto Rico [...the slide includes the language] National University of Health Sciences [...and] Sonoran University of Health Sciences [...] okay, National University of Health Sciences, they are in Chicago [...] Sonoran University of Health Sciences, located in Phoenix [...one ND student states] I am a third year student at the Sonoran University of Health Sciences [...] I have loved everything I'm learning at the Sonoran University of Health Sciences [...another student says] so, and it was still so rooted in science as well, which is something that I really valued, just being from such a, you know, as many of people are from a very scientific background [...another student says] my undergraduate degree was in neuroscience [...another student says]  I absolutely love science [...] we get to really stay tied to our science roots for those that that's important to [...] it's not just people like me that are straight from undergrad with a biomedical science degree [...] here at National University of Health Science, we have a couple options for students [...] profound science";

002.b. the coded vitalism includes:

“[host] naturopathic medicine first and foremost combines that science and nature, okay? [...the slide says] naturopathic medicine combines the rigors of science with the healing power of nature.  Mind, body, spirit [...] then they learn about the healing power of nature and how to use it";

CSF Application #010 Appendage - On Educational Grades and Naturopathy's Errors!

here, a continuation of the CSF Application #010 - education, education, education.  Quite ironic for naturopathy since they claim "doctor as teacher":

001. again within the same Perplexity thread as the previous post:

001.a. tasking: "What kinds of errors in thinking are being manifest by the practice that has been focused upon, in light of: a) medicine as an applied science b) etiology and manifestation c) the correlational versus the causal d) theater versus reality?  At what level of general K-12 and higher education are such errors supposed to be dealt with in terms of educational outcomes?"

001.b. answer:

"This question cuts to the educational foundations of everything documented in this thread. The errors being committed are not exotic or advanced — they are categorically foundational, and most are addressed in formal education before college. That is precisely what makes them so damaging when they are institutionalized at the doctoral level.

The Cullen-Snyder Framework (v.1.1) Application #010 – The California Practice of ND Godby et al.

here, the tenth application of the Cullen-Snyder Framework.  I do scores of these each week and this particular practice is not exceptional in terms of what is usually determined [OMGby!]

001. source documents for the AI-LLM muscle:

• of course, the CSF (v1.1.);

• a collection of 20 web pages from sac-nd.com, which is a practice that is quite long-standing:

•  01, 02, 03, 04, 05, 06, 07, 08, 09, 10; 

• 11, 12, 13, 14, 15, 16, 17, 18, 19, 20;

[sac-nd.com is in the Wayback Machine since 2013; Godby has other current web outlets at sacramentofunctionalmedicine.com and sacramentoivtherapyclinic.com, which I have not used; the oldest site I know of is diabetesnpc.com which I have not used; Godby used, in 2006, the descriptor "science-based natural medicine"; he is a 2004 NUNM graduate];

• the recently released "California Board of Naturopathic Medicine Sunset Review Report 2026";

• the NUNM naturopathy principles (here);

002. the CSF (v1.1) proper upon the 20 practice web pages: 

002.a. the taskings to Perplexity:

• Step 1: "For the attached DOCX by ND Godby et al., can you generate a report regarding how the contents, claims, and assurances compare with what is known in terms of modern medical science and ethics?  Detail in a table the misuse of scientific language and any fanciful therapeutic and diagnostic ideas shared." 

• [The DOCX is the unification in one document of the text of the 20 pages listed above]; 

• Step 2: "The attached PDF evaluates a California licensed naturopaths' claims and activities. Apply the attached CSF DOCX framework to that PDF and generate a detailed report." 

• [The PDF is the report generated in Step 1.];