“our contribution is up to $X total over four (or whatever) years to your bachelor’s degree; if you spend less than $X by the time you finish your bachelor’s degree, the rest is available for post-graduate professional school if you do that”
We did this early in the process. One daughter picked her dream university that fit the budget perfectly (nothing will be left at the end). The other picked several more affordable options to apply to, and then picked from between the affordable options. She will have some $$ left at the end of four years. Academically their choices are pretty much at the same very good level, and I think a good fit in both cases.