I am using the new Apple Music service. I have a large collection of music. But when I added albums to "My Music" to stream I found I could not add any more albums after adding about 10 albums. The "borrowed" music indeed counts against the limit. An Apple specialist explained they have to pay the artist every time I play what I call a "borrowed" song. So they limit your library. Note Apple purchased songs don't count against the limit. I do have 29,000 songs all told. This seems weird. I could continuously play songs in the 25,000 limit and make Apple Pay artists over and over. So a user with a larger limit could play less and cost them less. I wonder if the family plan raises the limit. I did read Apple might be thinking of raising the limit. I understand Amazon has a 250,000 limit.