Answers - Finance

If you are looking to consolidation your debt there are ways to do it. A debt consolidation loan will take

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

all the debt you have and consolidate your payments into one monthly fee. You will probably be paying a muc

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

Examples of combination products may in

h lower rate of interest, and your monthly payment will be much lower than the total of the bills that you

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

wed.

If you owe a lot of money, and your credit rating is not the best, then you may have a hard time find

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

ing a consolidation loan at a lower interest rate. You have to be careful in this situation, because you ma

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

Combination pro

end up paying more than you anticipated and find yourself in deeper debt.

Assuming your credit rating is

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

good, you might consider using credit cards to pay off your debt. Use cards that have the lowest interest r

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

tes, and don’t be afraid to call credit card companies to see if you can transfer debt from another card fo

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

r a lower rate of interest. This is a fairly common practice, and it works.

Another option is to take out

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

home equity loan, borrowing against the value of your home. You can borrow as much as you need to pay off

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

your debt as long as there is that much equity in your home. For instance, if your home is valued at $240,

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

Following aspects would a

000 and you owe $120,000, if your credit is good, you should be able to borrow as much as $120,000. If you

dd to the challenges in developing combination products:

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

credit is good, you will get a decent interest rate and your monthly payments will be low. The interest is

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

also tax deductible. There are two types of home equity refinancing -- fixed and line of credit. A fixed

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

oan gives you a certain amount of money to pay off your debt and if there is a remaining amount, you can us

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 it as you wish. A line of credit gives you an open option to borrow against a certain limit that is origi

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

Professional from academic institutions, pharmaceutical industries, health care indust

ated when the loan is approved.

If all else fails, you can also seek the services of a credit counseling a

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

gency that will set up a payment plan and work with your creditors so that you will make one monthly paymen

.

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

to the agency who, in turn, pays off your debt. Just make sure the credit counseling agency is reputable a

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

Companies that provide selfless information through particip

nd pays your bills on time. Otherwise, you’ll be responsible because, ultimately, you are still responsible

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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