States with the highest numbers of paper checks include California, New York, Texas, Florida, Ohio, Pennsylvania, Michigan and North Carolina. There may be a little wiggle room, but Social Security would like people to willingly give up those paper checks.
Remember that the new PSAT is scored between 320 and 1520, which is a composite of the Math section and the Reading and Writing sections together. To score in the 70th percentile or above, you want to aim for at least a 490 in Reading and Writing and a 500 in Math (or a composite of 990).
The highest score you can get is 240. Your score is the index score of 190. Congratulations on doing so well as a freshman. The PSAT is the pre-test for the SAT generally given to 11th graders. In your case, you took the pre-test for the pre-test. You did very well, and you can be proud of your scores.