* The specific program: Highly competitive programs like law, medicine, and some PhD programs often require a GPA of 3.5 or higher, sometimes even closer to a 4.0. Less competitive programs may accept applicants with lower GPAs.
* The university: Prestigious universities tend to have higher GPA expectations than less selective institutions.
* Your undergraduate institution: The reputation of your undergraduate school can influence how your GPA is viewed. A 3.5 from a less prestigious school might be viewed differently than a 3.5 from an Ivy League school.
* Other factors: Graduate admissions committees consider much more than just GPA. GRE scores (though increasingly less important), letters of recommendation, research experience, personal statements, and relevant work experience all play a significant role. A strong application in other areas can sometimes compensate for a slightly lower GPA.
In short, you should check the specific requirements for each graduate program you're interested in. Their websites will typically list minimum GPA requirements (if any), but even then, meeting the minimum doesn't guarantee admission. Aiming for the highest GPA possible is always advisable.