I have a question regarding the Stafford Loans Cap. My total all loans is $191,596. 80% of my loans were incurred in graduate school and two law schools, JD and LLM. I incurred $15,300 Stafford Unsub/Sub during undergraduate. My Stafford loan history is as follows: 1994-1998 (undergraduate), 2001-2005 (MBA/JD), and 2008-2009 (LLM). With regard to the Stafford Loans Cap, does this include all loans are just "For loans first disbursed on or after July 1, 2008?" I have applied to a Post-baccalaureate program and would like to understand the cap and how much I have available to borrow to complete additional undergraduate studies.