That top-15 stuff is true....but only as regards your highest degree achieved.
Nobody cares about anything except the highest degree achieved. If you get a Ph.D. from Harvard, nobody will pay the least attention to the fact that you got your masters and bachelors in liberal arts from SUNY after an AA general major from Bronx Community College.
Save your money, don't indur debt, go to a community college for the first two years. Mostly there will be about 15-20 students in each class after drops, so you get great student-to-teacher ratio. Many of the teachers also teach the same courses at more-expensive State U and U of State campuses. With the less-competitive classes, you'll get better grades. GPA is what gets you into Harvard later (Harvard here means any top-15 university for the Ph.D.)
Check out teachers at
www.ratemyprofessors.com Never take a teacher who gets lots of "dont take him" comments.
What's more, at ordinary community colleges in ordinary urban environments you'll be around ordinary people who aren't all stuck on themselves and stuck up. Most of what you learn at college -- isn't what's taught in the classroom. Learning how to get along with normal people will do you more good in the long run than sucking up to rich pricks at Little Thing U.
After the first two years, transfer to the local State U. Again, cheaper and easier than competitive colleges. For you, that means better grades and less debt load. Again, GPA is what gets you into Harvard later.
If you get Fs or Ds, remember to ask the counselors if they can be replaced by retaking the class. Sometimes retaking a fail/poor pass for CR/NC can remove Fs and Ds from GPA consideration and massively up your GPA. Think about spending an extra year at community college just to take easy-A classes like Spanish 101...to boost your GPA. Ask around, google it, really find out how the State U calculates its GPA. Do it now, don't wait and just kinda sorta you know hope that its all good.
Otherwise, keep in mind that LAST DAY TO APPLY FOR W if you're not doing well in a class.
Psychology is well known as a slacker major. At some universities, the ratio of new psych undergrad majors to new psych grad students is 20 to 1 or greater. In other words, less than 5% of new psych majors go on to a masters degree. While that doesn't really matter for now, it might matter to Harvard when you apply to be a doctoral student. Your goal might just as easily be served by a traditional teacher major like English. I mean, how much harder is it to read Sidney and Shakespeare than to listen to psychobabble that's equally made-up. HOWEVER, that really doen't matter for now. Take whatever will give you easy As.