Building a Balanced College List: Reach, Target, and Safety Schools

Building a Balanced College List: Reach, Target, and Safety Schools

January 29, 2025

By Nick Chung


Creating your college list is one of the most important steps in the application process. A well-balanced list maximizes your chances of getting into a great-fit school while minimizing the stress of a potentially disappointing admissions season.

The key is to strategically categorize schools into three groups: reach, target, and safety.


Defining the Categories

To categorize schools, you'll need to compare your academic profile (primarily GPA and standardized test scores) to the school's "middle 50%" range for admitted students. You can usually find this data on a college's admissions website or by searching for their "Common Data Set."

  • Reach Schools: These are your "dream" schools. Your academic profile is at or below the 25th percentile of admitted students. All highly selective schools (those with acceptance rates under 20%) should be considered reach schools for everyone, regardless of your stats.
  • Target Schools (or Match Schools): For these colleges, your stats fall squarely within the middle 50% range. You have a reasonable chance of being admitted, but it's not a guarantee. These should make up the bulk of your list.
  • Safety Schools (or Likely Schools): Your academic profile is at or above the 75th percentile of admitted students. You are very likely to be admitted to these schools. Crucially, a safety school must also be a place you would be happy to attend and is financially viable for your family.

How to Build Your List

A good rule of thumb is to apply to 8-12 colleges, with a distribution something like this:

  • 2-3 Reach Schools: It's great to dream big, but keep this number small to focus your energy.
  • 4-6 Target Schools: This is your sweet spot. These are schools where you are a competitive applicant and that you are excited about.
  • 2-3 Safety Schools: These are your essential backstops. Do not neglect this category.

Look Beyond the Numbers

While stats are useful for categorizing, they don't tell the whole story. The most important factor is fit. As you build your list, consider:

  • Academic Fit: Does the school have strong programs in your areas of interest? Do you prefer a collaborative or competitive learning environment?
  • Social and Cultural Fit: Do you want a big school or a small one? Urban or rural? A spirited, sporty campus or a more intellectual, quirky one? Reading our guide on public vs. private colleges can help you think through these differences.
  • Financial Fit: Use the Net Price Calculator on each college's website to get a realistic estimate of what you'll pay. Don't fall in love with a school you can't afford. A safety school isn't truly safe if it's not affordable.

Your final college list should be more than just a collection of names and rankings. It should be a curated group of schools where you can thrive academically, socially, and financially.