Also, when you send out resumes it looks worse the older you are and the less experience you have (unless your work history is going to contain relevant, lower level work to what you want to do).
Then there's repayment of your student loans. Are you going to be able to afford your payments if you take more than 1 semester off (and again, from experience, one semester turns into two into three into four very quickly)? When I was in my late teens/early 20's, it was easy to say, "Hey, I'm young, I still have plenty of time." Then one day I woke up and I wasn't so young anymore.
Now that I've done my "scared straight" routine, what is it that you want to do with your psychology degree? I think you said you want to be a school psychologist? If that is the case, think about the end goal. See the forest, not the trees. If you look at all the individual classes and work you'll have to do to reach that goal, it'll seem insurmountable. When you are having trouble keeping motivated, think about what you'll be able to accomplish in your profession and the positive change that you'll be able to affect in the students you'll get to work with and help. Hopefully, that will help get you through the down cycles.
Also, classes get much more interesting when you get to the 300 and 400 level courses. So, you have that to which to look forward.
Forget the Past, Live for the Future!