I have to agree the plan seems unrealistic. PhD programs in psych are extremely hard to get into and the field is anything but recession proof. The funded programs will look for you to have extensive research experience.
While it seems like you've had a rough time, I think grad programs will have a hard time understanding why you had zero time to work or advance your situation in any way.
And no, you can not assume aid will cover everything. Most colleges will not meet your financial need.