@PolyglotGal No, you are not going to be blacklisted from schools! You do have a very unique story. With your URM status, lower income, and working very long hours, I think with a great essay, you will have a good chance of getting into some good schools, but not sure about Harvard.
I have seen similar students getting into Ivy league schools. If you can get your predicted SAT or score well in ACT, you will greatly increase your chances to some good schools. It seems that you have a great GC that can help you with your choices and applications, so make sure she mentions your family situation in her recommendation letter.
I am pretty sure you will do well. Good luck.