A student at a college or university who hasn't yet earned their first degree (usually called a bachelor's degree).
From the prefix 'under-' (below or subordinate) combined with 'graduate' (one who has completed studies). Used to distinguish students still working toward a degree from those who have completed one.
The word 'undergraduate' implies being 'under' the level of a graduate—but statistically, undergrads today often leave with more debt than graduates had a generation ago, which is a pretty dark inversion of what the word suggests.
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