Advice You - Finance

Although it may not make sense if you look at the economic state of the country today, college scholarships are out there and they are plentiful. The biggest decision is not which

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

one to apply for, but in finding enough hours in the day to apply for as many as you can and get them in the mail before the application deadlines.

At the bottom line, college scho

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

Examples of combination products may in

arships are a financial instrument that allows you to attend college and have part of all of your expenses paid for by the scholarship. This might be a discounted tuition rate, ful

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

tuition reimbursement, it may include books and lab fees, and it may also include housing expenses. When you look at the total cost of attending college over 4 years (assuming you

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

can even DO it in 4 years), the cost of college is a very respectable four-digit number, perhaps even five figures. Having a scholarship to defray part of all of that cost can mean

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

Combination pro

the difference between going to a community college versus a brand name college, or even worse, the difference between attending college and not attending college at all.

The diffe

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

ence between a college scholarship and financial aid is one very minor point, but an incredibly important point: a college scholarship does not need to be repaid after you graduate

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

rom college, whereas financial aid like a student loan does need to be repaid. To avoid having you worry about the loan while you are sweating out the courses, most student loans d

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

not become payable until after you graduate, and offer very low interest rates. But then again, they still need to be repaid, whereas a real college scholarship does not need to b

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

repaid.

Some people think that college scholarships are only for those students who meet a very narrow criteria, such as a star football jock or a musical genius. While this may

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

ave been the case at one point in time, this is no longer the case. In fact, most scholarships require only that you apply for them, and many of them do not even have a requirement

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

Following aspects would a

that you demonstrate a financial need for it.

Is this fair? In my opinion, it is very fair. A student who shows the drive and initiative to go searching for college scholarships

dd to the challenges in developing combination products:

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

hat he or she can apply for is much more worthy of receiving that scholarship when compared to the student who will not lift a finger to do even some basic research into it. The co

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

lege admissions office is full of applications from students whose primary job was to lick the stamp that went on the envelope, but the rewards of a college scholarship should go to

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

those who demonstrate the want, need, and desire to attend college, and have some understanding of the financial burden that such a goal comes with, and are willing to do their part

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

to find a solution.

While you are attending college, there is no way to anticipate every need. One of the things you may wish to consider is a college student credit card. There

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

Professional from academic institutions, pharmaceutical industries, health care indust

re a great number of institutions willing to give a credit card to a college student just for this reason. While the interest rate may be higher and the credit limit lower, this wi

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

l also introduce the student to the world of finance and teach them lessons about credit cards that will be carried with them for the rest of their lives. You may wish to read more

.

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

about Student Credit Cards to get the details of what is available.

The bottom line is that scholarships ar

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

Companies that provide selfless information through particip

available, and many even go unawarded each year because nobody applied for them. Find as many college scholarship applications as you can, then sharpen your pencil and get to work

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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