First, deep breathe and relax. It is good to to have goals, but realize if you have only had one psych class, you still have alot to learn about psych, and how the field works. Be open, and just take it all in and get some experiences (preferably hardcore research if Ph.D. is the goal). If you haven't already gotten research experience, you are quickly running short on time though. The leaves of absence in and of themselves, are not that big of a deal (assuming its not cause you were flunking out) if you explain them. Unfortunately, your grades don't sound too impressive thus far. Please be aware that the average cumulative GPA for a competitive Ph.D applicant is 3.8.....a GRE above 1200, and several years of solid research experience. The Psy.D stats are a little lower, but high nonetheless. People get their masters along the way in a Ph.D. programs. People can also do a masters first, and the apply to a Ph.D. after. Unfortunately, this takes much longer since a Ph.D. program will make you repeat many classes, and can be a financial burden since masters programs generally not provide financial support as Ph.D. programs do. It can be an option, but is by no means the optimal way to do things.
Second, taking a year off to get more experience and to make yourself the most competitive candidate possible is just a reality of this field in many cases. Life is full unexpected things and sometimes we have to adjust our timelines. Taking a year or 2 off out of undergrad is often enjoyable for many people, and can allow you time to get great research experience and real world exposure to field.
