“but if a college is need-blind how does my family’s EFC affect my chances of admission”
Very often if a university is need blind for out of state students, this means that getting accepted will not depend upon your need, but that they will NOT provide you will financial aid.
With a family income of $85k per year, there are going to be many universities that you just cannot afford to attend. With your excellent stats and being an excellent student, you might get accepted to these anyway, but being accepted will not help you unless you can afford to attend.
You need to consider the cost of each university that you are considering. You probably are going to need to stick to universities that either offer in-state tuition, or give very good need based financial aid, or that give very good merit based financial aid.
As mentioned above, with a bachelor’s degree in psychology graduate school is very likely, and master’s degrees are often full pay. Psychology is a popular major, and many, many universities have very good programs. If you attend a university that offers in-state tuition for you, then you probably will find a very good program in psychology. If you then do as well as you have been doing up to now (which is excellent), then you will most likely can be accepted to a range of master’s degree programs. Master’s degrees take only one or two years, and therefore the large cost does not hit as hard compared to a bachelor’s degree.