By "fine" I meant that the OP has a shot. I'm sorry to hear about your friends that have been reapplying, but just like you know people who have been reapplying, I know some who got in the 1st round, 3.2gpa, 28MCAT, ivy league med. Would I count on this to get me through this cycle? Nope, not at all.
This whole process is so random, that ultimately some outcomes are going to shock us. You are obviously going to have a MUCH better chance of getting in if you have a higher GPA, but that's not to say you won't get in anywhere with the GPA you have now. That being said, everything else in your app has to be strong:
1. Letters of Rec. have to be KILLER. Get them only from people who will write you a GLOWING letter of rec, not just a good one. i.e. you need to be in the professor's office at least once a week. They need to be able to say "OP is in the top 10% of students of my academic career"... or something like that to make you stand out.
2. Any research? Publications? The publications really make you stand out because not many people have them. Adcoms have told me you need to be in the first 6 authors, preferably in the first four.
3. Your PS needs to be on point. Don't start rambling about health disparities and start rambling about how you want to affect health policy and public health blah blah blah. This tends to be a common mistake for those of us that want to work in underserved communities. Remember to stick to the medicine-- this is not an MPH application.
If you think you've addressed the above in your primary, then maybe you have a shot, buuuut:
4. Again, your MCAT is honestly still a little too low. I still suggest that you study for it, rock it, and apply next cycle. You need at least a 27 for lower-tier/mid-tier schools. You can also take a couple of more classes while you're doing that to show that you haven't "stopped" learning.
Moral of the story: Each school is different. If they like what they see, they'll take you. Make your app as strong as you can. Be diverse (more than just URM) by having a range of experiences under your belt (1. clinical, 2. research, 3. publications/abstracts/presentations/etc, 4. leadership).
Conclusion: If your primary is already verified, then pick a few schools that you have the best shot of getting into. If it has NOT been verified, then I believe you can still withdraw and you won't be considered a re-applicant next year. Which will be the best scenario. You can fix your MCAT then. Whatever you choose to do