Taking out unsubsidized grad loan

I know that there is a 135k cap lifetime or something like that. I went through MA then currently getting EdD which I am almost finished. I am trying to go back to school for another MA. I still have a plenty left. I know once you are progressing to a higher degree, even if it's not at the same school, you can get the loan deferred. If I earn EdD then go back to get a MA, would I need to start repaying?