First cut is big school vs small school and it sounds like you have made that choice (small school), so go with it. Second cut is your major. It sounds like you have that, psychology. So now you have narrowed your choices.

If this is a narrow enough cut, apply to all of the schools on that short-list. If not, go to your third tier and I am not sure what that would be (other options for minors, facilities on campus, location of the campus, etc).

The key is you need to make a decision and that decision has got to be yours, with some input from your parents. You can get lots of suggestions from folks like me, but ultimately you know you the best and only you can make that tough decision.

As far as a stable pay check. That all depends on you. If you are a good self-starter (which you are, at least academically) then almost anything will work. As a best guess psychology will probably bring in the biggest pay check. Unfortunately, nothing in this life is guaranteed and little is stable, so go with your heart.

Also, there is nothing that says you cannot change course a year from now once you have been in school for a while if your tastes change. There is also grad school and post grad, and medical school, or what ever. You could become a professional student :>), though that does not have a stable paycheck.

why not start off at a local junior college and take classes in all of them

some will appeal to you more than others.

at junior college the schools tend to be small and near home. they offer a variety of classes for a LOT cheaper than the larger colleges.