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I haven't really thought about it fully, but at the moment I'd like to get a bachelor of architecture (I know there are different types) at either Victoria University in Wellington or Columbia University in New York. Wellington is the creative capital of New Zealand (and the actual capital) and New York has some of the most recognizable architecture in the world, so they both make sense to me.
Again, haven't thought about it fully. I don't need to. xD
Yet.
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When it starts getting close, like under a year before you expect to attend college I would definitely have a planned out path, and especially when it comes to your finances. I was late getting my loan because there was a month delay for first time loaners that I didn't know about so my dad had to pay out of pocket until the loan came.
Either way enjoy being carefree while you can.