OK, you've read all the background and want to create a character? Great! Here's what you do.
First of all, you might want to print out a copy of the character sheet (Page 1, Page 2) so you can write things down. Sorry to sound like elementary school, but put your name on the sheet, so if it gets left behind we know who it belongs to!
Here's the process:
The background information could potentially give you a lot of ideas, but I know that mine is not necessarily the most inspiring writing in the world. You could try reading some of the Schmitz books for inspiration. Or you could read other old science fiction or even detective novels; some of Schmitz' stories are really just detective stories with a twist.
But ask yourself questions, like: what kind of planet are you from? A newly-colonized Federation world where you had to work hard to carve civilization out of the wilderness? A backwater world that only recently reestablished contact with the Federation, so that the high-tech Hub civilization is all new to you? A Restricted world or nation, so that your passport chip is eyed with suspicion everywhere you go? A well-established Federation world that had all the conveniences but isolated you somewhat from the rest of human space, until you graduated from school and got a job somewhere else -- where?
Then there's your career -- what was your education like? What do you do for a living? (In the case of the game we're playing, what did you do for a living before you were recruited by the Psychology Service? You may still be doing it, only working for the Service now.)
Most roleplayers are familiar with the D&D ability scores and what they mean. You can skip ahead if you are. But in case you aren't, they are:
Initially you have one 16, two 14s, and three 11s to go around. Decide which single ability score should be highest to fit your character concept, and give it the 16. Pick two scores that should also be high and give them the 14s. That leaves the three that you don't see yourself needing as urgently; give them the 11s. Remember, you get ability score increases every 4th level.