A structural thermal framing and panel system for assembling finished or unfinished walls with multiple combinations for poured and nonpoured walls. The system includes a permanent structural framing stud which can be adjusted to different wall thickness, a plurality of permanent forms, wherein the pluralities of permanent forms are interchangeable with various other permanent panel forms with or without defined spaces for receiving filler. The framing stud substantially conforms to a portion of the pluralities of panel forms and resists bending in the panel forms. The framing stud is the main structural element in the wall. A structural framing system in combination with insulated panel forms with various defined spaces for receiving filler, and wherein panels may not be prefinished to form a rigid substrate.