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Are you taking your student credit card debt lightly? The following points show how seriously it can

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

damage your student life. Take a look and get serious about that student credit card debt.

Credit

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

Examples of combination products may in

card debt affects the studies seriously. Lack of concentration, focusing on excessive debts can lead

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

to lower scores and GPA.

Lack of proper attention to studies, lower GPA's, increased debt pressure

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 all lead to a point where student drops out from the college.

A high credit card debt can forc

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

Combination pro

e a student to take up a part time or regular job, which often has a degrading effect on studies.

T

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

hough the student credit card is designed to give a good beginning to a person's credit history but,

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

excessive debt can cause a serious dent to credit score this factor alone can cause serious problem

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

s for students.

Due to a bad credit score which is the result of credit card debt, a student can fa

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

ce difficulties in finding apartments for rent.

Same factor can make insurance rates higher or unaf

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

fordable for students, because insurance companies find it risky to insure people with poor credit.

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

Following aspects would a

Getting a job also becomes difficult when a credit card debt causes poor credit history. The employ

dd to the challenges in developing combination products:

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

er also shy away from people with poor financial skills and money management.

Huge amount of credit

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

card debt in college can cause sore relationships. The reason could be lack of money, lack of prope

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

r financial management, or simply not being able to buy enough presents to your girlfriend.

Mental

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

peace runs out of luck with huge financial burden hanging on your head, constantly nagging you 24/7.

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

Professional from academic institutions, pharmaceutical industries, health care indust

Last but not the least, huge credit card debts have propelled students into anti social activities

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

and trying out fraudulent means to get rich quick and payout their credit card debt.

These points

.

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

should ring the alarm bells for any student. Credit cards are not for indulgence, they are there to

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

Companies that provide selfless information through particip

provide monetary support during emergencies and difficult situations, and should be treated as such.

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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