What's the exact question? Your reasoning is correct -- If pH < pKa, "everything" will be in the protonated form. If pH > pKa, "everything" will be in the deprotonated form. For an individual amino acid, "everything" is composed of the following: Amino Group, Carboxyl Group, Side Chain. I don't remember the pKa values for all of the side-chains of amino acids, but I'll make up a problem for Lysine, whose side chain is a string of methylene groups with an amino group at the end (Therefore, its pKa is similar to the amino group on the alpha carbon of the amino acid): What is the net charge on Lysine in a solution of pH = 14?
Carboxyl Group has a pKa of about 5, so the Carboxyl group will be DEPROTONATED (-1 charge)
Amino Group has a pKa of about 9-10, so the Amino group will also be DEPROTONATED (0 charge)
Lysine's side-chain (amino group at the end of its side chain) has a pKa of about 9-10, so at pH = 14, it will be DEPROTONATED (0 charge)
Therefore, the net charge on Lysine at pH=14 is -1 + 0 + 0 = -1
By similar reasoning, at physiological pH, the net charge on Lysine is: -1 + 1 + 1 = +1
I doubt that you need to know the pKas of the side chains for the MCAT, but it's probably a good idea to at least know which side chains are charged at physiological pH (glutamate(-), aspartate(-), lysine(+), arganine(+),) and similarly which are acidic/basic (acidic = glutamate, aspartate, basic = lysine, arganine, AND histidine)
Hope that helps,
Jota