A 3.65 will likely put the highly selective schools out of reach…but of course you can apply to reaches.
What are your test scores? Have you taken SAT Subject tests? What state do you live in?
Talk with your family now about what they can/will pay per year. Public schools generally cost less than private schools that don’t give merit.
Run the school’s net price calculators (NPCs) to get an estimate of what your family will be expected to pay. Here are UPenn’s https://npc.collegeboard.org/app/upenn
and USC’s http://esdweb.esd.usc.edu/NPC/Home/Parent