Mitigating "Epistemic Debt" in Generative AI-Scaffolded Novice Programming using Metacognitive Scripts

The democratization of Large Language Models (LLMs) has given rise to ``Vibe Coding," a workflow where novice programmers prioritize semantic intent over syntactic implementation. While this lowers barriers to entry, we hypothesize that without pedagogical guardrails, it is fundamentally misaligned with cognitive skill acquisition. Drawing on the distinction between Cognitive Offloading and Cognitive Outsourcing, we argue that unrestricted AI encourages novices to outsource the Intrinsic Cognitive Load required for schema formation, rather than merely offloading Extraneous Load. This accumulation of ``Epistemic Debt" creates ``Fragile Experts" whose high functional utility masks critically low corrective competence. To quantify and mitigate this debt, we conducted a between-subjects experiment (N=78) using a custom Cursor IDE plugin backed by Claude 3.5 Sonnet. Participants represented "AI-Native" learners across three conditions: Manual (Control), Unrestricted AI (Outsourcing), and Scaffolded AI (Offloading). The Scaffolded condition utilized a novel ``Explanation Gate," leveraging a real-time LLM-as-a-Judge framework to enforce a ``Teach-Back" protocol before generated code could be integrated. Results reveal a ``Collapse of Competence": while Unrestricted AI users matched the productivity of the Scaffolded group (p < .001 vs. Manual), they suffered a 77% failure rate in a subsequent AI-Blackout maintenance task, compared to only 39% in the Scaffolded group. Qualitative analysis suggests that successful vibe coders naturally engage in self-scaffolding, treating the AI as a consultant rather than a contractor. We discuss the implications for the maintainability of AI-generated software and propose that future learning systems must enforce Metacognitive Friction to prevent the mass production of unmaintainable code.