Don’t target a 3-2 program – it is very rare that students actually follow through with them (plus then you pay for 5 year of college). Also, if you are thinking of law school, you might check with your parents and see if you can have some of your undergrad money for grad school if you don’t spend it all. Law school, MBA programs, or med school all cost a lot, so if you think you might head in one of those directions, ask them about this.