The loan limit does not start over, but it does increase. As an undergraduate, the limit for federal student loans is $57,500 for an independent student like yourself. However, when you advance to the graduate level, that limit increases to $138,500, including your undergraduate loans. So, if you were at your undergrad limit, then you would have $81,000 available for your graduate work. There are also annual limits to be considered: Each year you can borrow up to your Cost of Attendance or $20,500 (whichever is less). If that is not enough, you can apply for a federal Graduate PLUS loan or a private loan up to your Cost of Attendance. However, both of those loans are credit based, so approval is not automatic. Keep in mind that to be eligible for federal student loans you need to be enrolled at least 1/2 time in an eligible graduate degree program at an eligible institution. Not all graduate programs qualify, so be sure to ask before you enroll. Also, you can't have a federal student loan in default, so you must keep up your payments or apply for an in-school deferment.