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:

[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.

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.];

McGill’s Office for Science and Society 2026 Quackery Piece: Excellent

here, the kind of article I'm sadly not seeing much of these days:

001. at mcgill.ca's Office for Science and Society, Jonathan Jarry writes in “Quackery in Quebec: The Trojan Horse Bill I Worry About" as dated 2026-06-26:

"A new bill has been proposed at the National Assembly of Quebec, and while it may look like it will benefit our health, there is a lot going on under the surface. It is an excellent example of how the rebranding of pseudoscience gives it legitimacy, and this Trojan horse is now knocking on our legislative door [... ] here is a list of so-called therapies that are often sneaked in under the moniker of integrative health:

• Homeopathy: the practice of taking, for example, a natural substance that makes you vomit and diluting it out of existence to make you stop vomiting
• Reiki: conceived by a Japanese spiritualist who starved himself and hallucinated, it is the idea that a person can hover their hands over a patient and inject a divine healing energy into them
• Iridology: the practice of looking at the colored part of the eye to diagnose any health condition
• Reflexology: the idea that the entire human body can be mapped onto the sole of our feet and that a targeted foot massage can heal any disease
• Naturopathy: an umbrella term for therapies that use so-called natural methods of healing, including homeopathy, herbalism, acupuncture, iridology, and loads of dietary supplements

In 2026, these practices are not serious. They check all the boxes of a pseudoscience: they are based on a primitive, overly simplistic understanding of how the body works; they may rely on the spiritual idea that a mysterious life force exists which can be manipulated; they fail to progress and change; they often lack a plausible mechanism of action; and their promising, preliminary studies are commonly contradicted by rigorous clinical trials [...]”;