I'm kind of embarrassed to talk about this, but I've attended quite a large number of schools throughout my undergraduate career. 6 schools, in fact. Most of these schools I attended for 12 or fewer credits- I was dealing with an undiagnosed chronic physical illness, which I've now totally overcome, but which was disabling at the time.
I didn't know what I was dealing with then so I kept trying to push through school and having to withdraw from classes/schools and re-enroll somewhere else. I'm doing much better now, have brought my total GPA up to 3.52 (with a strong upward trend), and have a 4.0 GPA in my major (psychology). I'm studying hard for the GRE's and I trust that my recommenders will be able to provide strong recommendations for me. I know that my GPA could be better, but what I'm mostly worried about is the large amount of transfers on my transcript.
How should I deal with this? Should I mention in my personal statement that I was dealing with chronic illness and have overcome it? I'm worried that admissions committees will think I'm oversharing, but I feel that something as weird as 6 undergraduate institutions requires an explanation. I'm hoping this won't disqualify me from PhD programs, since I really love research in psychology and would do anything to pursue it further.
From comment: One of the schools was just somewhere I took a single course at while in high school. I left two of the schools because I lost the merit aid I needed to afford attendance due to withdrawing, and one because it was an online school and I was unhappy with the quality of the education I was getting there. I then went back to my local community college and started over, and transferred to my state university from there. I have research experience, and am planning on getting some more after undergrad. I'm hoping I can overcome this but I'm really scared.