What are the seven psychic circles?
They are the Urantia Book’s map of personal growth: seven stages of mortal potentiality conquered one by one, from the seventh circle, entered when real personal choice begins, inward toward the first. Progress is measured across mind, soul, and spirit together, not by any single test.
In the book's own words
The sum total of personality realization on a material world is contained within the successive conquest of the seven psychic circles of mortal potentiality. Entrance upon the seventh circle marks the beginning of true human personality function. Completion of the first circle denotes the relative maturity of the mortal being. Though the traversal of the seven circles of cosmic growth does not equal fusion with the Adjuster, the mastery of these circles marks the attainment of those steps which are preliminary to Adjuster fusion.
The better next question
Are there other inhabited planets in the universe?