<p>@sally: I’m afraid OP’s parents may think that if she gets into some of these schools, they’ll “figure it out” financially - including with loans. Based on what she said re: NPC’s, her family makes enough that she wouldn’t qualify for a lot of need-based aid, but that’s vastly different from being able to afford OOS fees at the UCs, and the 3.3 will be a problem for merit aid elsewhere. Now OP’s family may well have enough money (“we agreed on these schools” would mean "we have about $50,000 set aside for each year of study) so all of what intparent and I wrote may be moot but I think we can agree too many posters only think their “chances” in terms of academics, not in terms of affordability, so, I’d rather be over cautious 
especially with a first-gen kid who has very successful immigrant parents.</p>