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In short (see longwinded explanation below) an undergraduate hasn't graduated yet

and a grad or post grad has graduated from an undergraduate degree and is now persuing further more detailed study/research in a University.

Undergraduate work is a basic foundation within a given program of study. The course work includes a general cluster of knowledge that promotes a well rounded education. Thus, the student is exposed to a variety of areas, not just their chosen field of study. These areas would include general education courses to include, English, Math, History, Laboratory Science, courses in Humanities, and Social Sciences to mention a few. These would be tightly coupled with the students Major Requirements and Major Elective Requirements. In general, Associates and Bachelors degrees are considered undergraduate course work, while the Masters and Doctoral degrees are considered graduate course work. Graduate course work - in most cases - is very specific and particular to one field of study. Thus, the graduate study is advanced course work which follows undergraduate course work.

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