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Federal student loan consolidation is a re-financing program that allows you to combine all of your existing federal student loans into one new single loan.

There are no application fees, credit checks, or cosi

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

gners required for a student loan consolidation. Benefits of consolidation include:

1. Lower monthly payments.
Student loan consolidation provides a longer repayment term, which in turn lowers your monthly

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

Examples of combination products may in

payment. This will free-up more money to use for other expenses such as rent or mortgage payments, food and car expenses, utility expenses, and credit card payments. Depending on your total balance, you could

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

reduce your monthly payments up to 53%. Because there are no penalties for early or extra repayment, you can make larger payments when it becomes affordable to.

2. Lock in a low fixed interest rate.
Curre

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

tly, unconsolidated federal student loans have a variable interest rate which changes each year on July 1st based on the Treasury bill. By consolidating your student loans, you can lock in a fixed interest rat

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

Combination pro

e for the life of your loan.

3. Customize a payment plan.
By consolidating your student loans, you'll have the opportunity to choose a payment plan that best fits your current income level. Plans such as the

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

Graduated Repayment Plan start out for the first several years as a lower interest only payment, and then increase to a level repayment plan. This plan is helpful for those who need payment relief right out of sch

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

ool, while they look for a job and get established.

4. One payment per month.
By consolidating, you eliminate the need to make multiple monthly payments to each of your federal lenders. With all of your loan

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

combined, you will only need to write one check each month. Plus, if you opt for automatic checking account withdrawal, not only will payment be simple, you'll also save .25% on your interest rate.

5. Maintain you

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

r deferment and interest subsidy benefits.
Because federal student loan consolidation is simply a new federal loan, you will not lose your loan deferment and forbearance benefits. Additionally, you will

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

maintain your interest subsidy benefits on any subsidized FFELP or subsidized Direct loans that you consolidate.

6. Help your credit.
Consolidation takes all of your existing federal student loans, pays th

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

Following aspects would a

em off in full, and combines them into one new loan. Instead of having multiple open loans with limited payment history, you will have just one loan. Your older student loans will be listed as paid in full. In a nut

dd to the challenges in developing combination products:

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

hell, consolidation helps eliminate open lines of credit.

7. Borrower benefits.
Consolidation offers cash saving borrower benefits for timely, automatic payments. You can reduce your interest rate by an add

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

itional .25% just by having your payments deducted from your checking account, and an additional 1.00% reduction for certain loan balance sizes, after making 36 on-time payments.

When should you consolidate? You c

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

an consolidate during your grace period or during loan repayment. Your grace period is a six month no-payment window after you graduate or drop below half-time enrollment, before your loans go into repayment. Cons

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

olidating during your grace period provides the added benefit of a .6% discount once your consolidation is complete. Because your interest rate is locked, the .6% discount remains for the entire term of repayment.

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

Professional from academic institutions, pharmaceutical industries, health care indust

dditionally, apply before July 1st, 2007 - interest rates are expected to increase, so take advantage of this year's lower rates.

For more frequently asked questions, visit:
http://www.studentloanconsolidato

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

r.com/consolidation/faq.shtml

Federal Loans Eligible for Student Loan Consolidation Here is a list of federal loans that are eligible for student loan consolidation:

1. Stafford Loans

2. Perkins Loans

3. Federa

.

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

l Direct Loans

4. Federal Parent Loans for Undergraduate Students (PLUS)

5. Federal Grad PLUS Loans

6. Federal Supplemental Loans for Students (SLS)

7. Federally Insured Student Loans (FISL)

8. National Direct

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

Companies that provide selfless information through particip

Student Loans (NDSL)

9. Loans for Disadvantaged Students (LDS)

10. Auxiliary Loan to Assist Students (ALAS)

11. Health Education Assistance Loan (HEAL)

To apply online, visit www.studentloanconsolidator.com/appl

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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