This is what I did with my Marineland penguin 100:
When the pad on the original cartridge started falling apart, I ripped it away from the plastic frame (as mentioned already), and dumped out all the carbon inside.
Then I used a knife to open up the slits in the plastic frame, since many of them were blocked with excess plastic, and I even removed some of the plastic slats from the grid to improve the flow.
Then to preserve some of the bacteria from the pad, I cut it in half, threw half of it away, and sandwiched the other half between the frame and a new piece of cut-to-fit filter pad attached to the frame with rubber bands. Whenever the cut-to-fit pad needs to be replaced, instead of tossing the whole pad I always keep a portion of it in the filter along with the new pad.
Then a layer of poly-fill filter floss goes on top of the cut-to-fit pad to help polish the water.
I also use one of the coarse aquaclear sponges, I forget which size, that fits perfectly in the open space between the cartridge and the bio-wheel.