Full of Articles - Reference and Education

Commercial financial aid advice services can cost well over $1,000. You might have heard or seen these claims at seminars, over the phone from telemarketers, or online:

• “You can't get this information anywher

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

e else.” If you are patient and organized, you can find all the information you need yourself – free. Below, there are a list of sources.

• “Give me your credit card or bank account number and I will hold finan

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

cial aid for you.” Never give out a credit card or bank account number unless you know the company or organization you are giving it to is legitimate.

• "Buy now or miss this opportunity." Don't give in to pres

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

sure tactics. Remember, the “opportunity” is a chance to give a company money for information you could find for free elsewhere.

Try these free sources of information:

• The Student Loan Network

• A college

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

or career school financial aid office

• A high school counselor

• The U.S. Department of Education’s website: http://www.FederalStudentAid.ed.gov

• Other federal agencies (including the military, if appropria

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

te): www.students.gov

• Your state education agency

• The reference section of your school or public library

• Free online scholarship searches

• Foundations, religious organizations, community organizations

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

, local businesses and civic groups

• Organizations (including professional associations) related to your field of interest

• Your employer or your parents' employers

Don’t Pay for the FAFSA
Sever

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

al Web sites offer help filing the Free Application for Federal Student Aid (FAFSA) for a fee. These sites are not affiliated with or endorsed by the U.S. Department of Education. We urge you not to pay these si

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

tes for assistance that is provided free elsewhere. The official FAFSA is at www.FederalStudentAid.ed.gov, and you can get free help from:

• FAFSAOnline.com, from the Student Loan Network

• The financial aid a

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

dministrator at your college

• The FAFSA’s online help at www.FederalStudentAid.ed.gov

Remember, if you are asked for your credit card information while filling out the FAFSA online, you are not at the officia

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

government site.

Keep Your Information Safe
How does identity theft happen? Criminals use their access to personal data such as names, Social Security numbers, and bank and credit card information.

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

Using the stolen data, the criminal can fraudulently obtain credit cards, buy items over the Internet, and even establish cell phone accounts.

Reduce Your Risk
• Apply for federal student aid by fi

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

lling out the FAFSA at www.FederalStudentAid.ed.gov.

• After completing the FAFSA online, exit the application and close the browser.

• Keep your Federal Student Aid PIN in a secure place. (Get your PIN at www

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

.FederalStudentAid.ed.gov.)

• Don’t reveal your PIN to anyone, even if that person is helping you fill out the FAFSA.

• Review your financial aid award documents and keep track of the amount of aid applied for

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

and awarded.

• Shred receipts and copies of documents with personal information if they are no longer needed.

• Immediately report all lost or stolen identification (credit card, driver’s license, etc.) to th

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

e issuer.

Report Financial Aid Fraud
A company charging for financial aid advice is not committing fraud unless it doesn’t deliver what it promises. For more information about financial aid fraud or

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

to report fraud, call the Federal Trade Commission toll free at 1-877-FTC-HELP (1-877-382-4357) or go to www.ftc.gov/scholarshipscams.

Report Identity Theft
If you become a victim of identity theft

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

or suspect that your student information has been stolen, contact:

U.S. Department of Education
Office of Inspector General Hotline
1-800-MIS-USED (1-800-647-8733)
complain online: www.ed.gov/mi

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

sused

Federal Trade Commission
1-877-IDTHEFT (1-877-438-4338)
complain online: www.consumer.gov/idtheft

Social Security Administration
1-800-269-0271
www.ssa.gov/pubs/idtheft.htm

Equifax C

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

redit Bureau
1-800-525-6285
www.equifax.com

Experian Information Solutions (Formerly TRW)
1-888-397-3742
www.experian.com

TransUnion Credit Bureau
1-800-680-7289
www.transunion.co

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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If you're anything like me you have oodles of emails arriving in your inbox every day. You open them all because you've subscribed to their mailing list and you know they normally (not always) have some valuable offers or information you could use.

Many of us have received pre-approved credit card applications in the mail. The majority of these offers urge you to apply right away, because the offer has an expiration date. Applying for a credit card before you shop around for the best deal is never a good idea. You could end up with a credit card with a high interest rate, or perhaps an annual fee you must pay.

Development of communication technologies allowed people to access to others as they are mobile without losing their contact with their social milieu. And last minute meetings, daily changed plans and cancelled appointments became a part of our lives.

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