Yikes, that 3.1 is gonna haunt you. Some won’t even consider you with that. Bare minimum mcat you’re gonna need is 510 (but realistically probably more in the 512-515 range)
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Some schools specifically look at last 90 credits with a high emphasis.
Also doing a SMP would fix this issue.
Medical schools said they ONLY take into account how well you did during your SMP when looking at your GPA, if you so choose to attend one.
If you attend an SMP and have a sub-500 MCAT, but do well in the program, they are much more likely to accept you.
I agree though, not attending an SMP and having a 3.1 GPA would mean a higher MCAT is needed.