I am also an older-non-trad. Age 29 applying for Spring 2003. So, I sympathize. Luckily, I do not have children, yet. But, I am looking at not starting to real make money until I am forty. Pretty scarry.
Sorry about all the questions, but I think that we can help you think this through.
How old are you? Or, more importantly, if you were to apply again for 2003, how old would you be when you finished med school, residency, etc.?
What are you practice goals, specialty interests?
Is the GPA you posted calculated by AAMCAS or AACOMAS?
Did you take a MCAT review class? On average, how many hours a week were you able to study for the 3 months before the exam?
I am assuming that if you were to take the FMG route you would start school in Fall 2002 instead of Fall 2003, correct?
Would your wife and kids accompany you to the Caribbean? Does she work now, could she find employment in the Caribbean? If you were unable to easily secure practice rights in the US, would she feel comfortable living abroad for an undetermined period of time?
If you include all travel costs and phone bills for four years in the Caribbean, will you really be saving money if you start Caribbean school this Fall instead of waiting until Fall 2003?
I think that you would be a strong canidate for DO school if you could raise your MCAT by 4-6 points in August and apply nation-wide for Fall 2003.
Take an MCAT review class at all cost. The Princeton Review has better classes/strategies Kaplan is more flexible. Both cost around $1300, consider loans and credit cards. Study as much as possible;consider drastically reducing your hours the month before the exam.
If there are any class that are pulling your GPA down, consider retaking them in the Fall as AACOMAS only counts your most recent grade.
If possible, try to find some work on a research study; volunteer yoru help if you can not get paid. With all your clinical exerpience, research is more important than most volunteering.