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Are you beginning the process of figuring out how you're going to pay for college? Financial aid is great - it'll help you achieve your education dreams, but it's a complex process with a growing

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

variety of student loan options from which to choose. Assuming you've explored all opportunities for scholarships and grants, your next option is to research student loans. These come in two gene

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

Examples of combination products may in

al categories: federal student loans and private student loans.

The first place any prospective student should start is with federal student loans. Federal student loans are backed by the U.S. g

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

overnment and are available directly through your school or through banks and student loan lenders via the Federal Family Education Loan Program (FFELP). These loans typically have lower interest

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

rates, multiple repayment options, longer repayment periods, and much easier credit requirements than private loans. In order to receive a federal student loan, you must complete and submit the FA

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

Combination pro

FSA, the Free Application for Federal Student Aid. For assistance with this form, visit FAFSAonline.com.

Federal student loans come in a variety of forms, from need-based aid to loans targeted to

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

arents.

Perkins Loan
The Perkins Loan offers a very low fixed rate of 5% to undergraduate and graduate students who demonstrate financial need. Depending on your level of need, undergraduate

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

s can borrow up to $4,000 and graduate students up to $6,000. Unlike other federal loans, the funds are dispersed from the school and the student does not have to be enrolled at least half-time to

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

be eligible.

Stafford Loan
The Stafford Loan is the most common federal student loan as it is not necessary to demonstrate financial need - anyone can apply. These loans carry a fixed intere

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

st rate and come in two forms: subsidized and unsubsidized. The interest on subsidized Stafford Loans is paid by the government while the student is in school; the student pays the interest on un

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

ubsidized Stafford Loans but they can defer making any payments until graduation. All Stafford Loans require the student to be enrolled at least half-time. Depending on year, students can borrow b

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

Following aspects would a

etween $2,625 (freshmen) and $5,500 (senior) a year.

PLUS Loan
The Parent Loan for Undergraduate Students (PLUS) is targeted to parents of dependent undergraduate students who are enrolled at

dd to the challenges in developing combination products:

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

least half-time. Although there is not a full-scale credit check for these loans, the applicant must not have any adverse credit experiences on their record (e.g., bankruptcy, default). Parents ca

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

n borrow up to the student's cost of attendance less any other aid the student has received. These loans carry a fixed interest rate that is higher than the rate for Stafford Loans, and repayment st

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

rts while the student is in school.

Private (or Alternative) Loans
As mentioned above, you should exhaust your options for federal loans before turning to private student loans. But federal

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

loans often do not fully cover the cost of tuition. The market for private loans has been growing dramatically in recent years to help fill the gap between rapidly rising tuition costs and fundin

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

Professional from academic institutions, pharmaceutical industries, health care indust

from federal student loans. There are a few pros and cons to consider when looking for private loans.

Pros:

1. Students can borrow up to 100% of the cost of education

2. Many offer borrower ben

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

efits that can reduce the interest rate

3. Lower rates may be available if your school certifies enrollment and the check is sent directly to the school

4. Funds may be used for tuition, room and

.

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

board, books, or a computer

5. You are not required to complete the FAFSA

Cons:

1. These loans are subject to a credit check, which will determine approval as well as your interest rate (using a

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

Companies that provide selfless information through particip

co-signer significantly increases your chances of approval)

2. The interest rate is variable and may increase over the life of the loan

3. Private student loans may not include a deferment optio

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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