Active infrared thermography (AIRT) is currently witnessing a surge of artificial intelligence (AI) methodologies being deployed for automated subsurface defect analysis of high performance carbon fiber-reinforced polymers (CFRP). Deploying AI-based AIRT methodologies for inspecting CFRPs requires the creation of time consuming and expensive datasets of CFRP inspection sequences to train neural networks. To address this challenge, this work introduces a novel language-guided framework for cognitive defect analysis in CFRPs using AIRT and vision-language models (VLMs). Unlike conventional learning-based approaches, the proposed framework does not require developing training datasets for extensive training of defect detectors, instead it relies solely on pretrained multimodal VLM encoders coupled with a lightweight adapter to enable generative zero-shot understanding and localization of subsurface defects. By leveraging pretrained multimodal encoders, the proposed system enables generative zero-shot understanding of thermographic patterns and automatic detection of subsurface defects. Given the domain gap between thermographic data and natural images used to train VLMs, an AIRT-VLM Adapter is proposed to enhance the visibility of defects while aligning the thermographic domain with the learned representations of VLMs. The proposed framework is validated using three representative VLMs; specifically, GroundingDINO, Qwen-VL-Chat, and CogVLM. Validation is performed on 25 CFRP inspection sequences with impacts introduced at different energy levels, reflecting realistic defects encountered in industrial scenarios. Experimental results demonstrate that the AIRT-VLM adapter achieves signal-to-noise ratio (SNR) gains exceeding 10 dB compared with conventional thermographic dimensionality-reduction methods, while enabling zero-shot defect detection with intersection-over-union values reaching 70%.