If I understand you, you are referring to the aggregate loan limits (the total amount of loans that you may have outstanding for a certain degree). The amount for Graduate degrees are 138,500 and the undergrad just went up to around 57k. These amounts are further split into two portions (subsidized and unsub), although I dont have the breakdown. Anyway, if this is the case, the aggregate limit only applies to outstanding stafford loans. When you pay off your loans, you have the full loan limit to use again (like a revolving credit account). In fact, if refi your student loans, you will have the whole aggregate again. It only applies to OUTSTANDING Stafford loans. Let me know if I can help any more.