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Postgraduate is defined as a course of study or an academic program that occurs after a college degree has already been obtained. Medical school or law school are examples of programs that would be described as postgraduate programs.
This term, then, encompasses freshmen through senior college students. A graduate degree is any one that occurs beyond the undergraduate degrees, such as Master's and Ph.D. programs as well as some of the others discussed below. These students are often called grad students, short for graduate students.