Hey bigworrier,
I'm gonna be very frank with you and share some of my thoughts and feelings about applying to PhD programs in Clinical Psych. I'm currently an applicant this year, and I'm waiting to hear back from four clinical/counseling programs for decisions, fyi.
First of all, you're not in a bad position, but you're not in a great one either. Your GREs are fantastic for most programs, so don't worry about that. Your GPA is a bigger issue: having a 3.5 or higher is a fairly standard threshold for most competitive programs. Your research experience, while again, not bad, is something that could use some help. Unfortunately, programs look for people who have gotten their names on papers, either published or under review. Similarly, they like to see people who have presented posters or papers at major conferences (APA, APS, SPSP, APA divisionals, et cetera).
I am not trying to discourage you from applying by saying this, but if you do apply, there's a very real chance you will not get an offer first time around. I would highly, highly, highly suggest getting more research experience, or getting into a master's program and working to improve that GPA.
Secondly, there is a broader issue: You want to practice. PhD programs are fundamentally research degrees; even the most practice oriented PhD programs expect that you will be spending 5 to 7 years at their program conducting research and writing papers. If they think you're coming through their program just to be a practitioner, they'll be extremely hesitant about offering you admission. The reason that PhD programs fully fund their students is because it is in the interest of the department and the institution--they want people churning out publications and increasing the research productivity of the university. That's why the money is there! Sure, some people get through Clinical Psych PhDs and never go back to research, but thats... very, very rare. If you get into one of these programs, and you really don't like research, you will not be happy for many, many years. Money matters, but your educational experience does too.
That said, yeah, of course there are good PsyD programs! I don't really know much about them, though. Depending on how much time and money you want to put into your education, you might also want to look into MSW programs. At the end of the day, a license to practice is a license to practice: Your clients likely won't care, or know, the difference between a PsyD and an MSW anyhow.
Anyways, good luck! Send me a PM if you like, I'd be interested to hear who you're working with at Columbia. Are you at the arts and sciences psych department or teacher's college?