Agreed wholeheartedly with
@QofQuimica, but have a slightly different opinion than
@Eccesignum with regard to the MCAT. Personally, no matter a new MCAT, your grades will be an anchor.
1) If you plan to apply exclusively DO they will take your graduate grades into consideration for your overall GPA, so you should see what your sGPA and cGPA would be by the AACOMAS method. If they are >3.3ish, then you may have the 'reinvention' required for DO schools (though I still think they take grad work less seriously). You could take the MCAT and if you score well enough, apply next year.
Assuming you can put together the cohesive story and app in 1 year.
2) If you want to apply to any MD schools, you need to do some post-bac work. No matter the cost/time/etc, it would need to be done if you want serious consideration. If you take the MCAT, ace it, and apply with a 3.02 sGPA, they will still have hesitations... Time (and grad degrees) don't prove you're ready to excel in a rigorous science curriculum. With the new MCAT, schools are only accepting them for 2-3 years, so you'd need to have done some repair, or be in the process, if you want to apply MD. Otherwise, you run the risk of a good MCAT, but not enough time to get your GPA in shape to apply... I say this as someone who had a low 3.4 sGPA and an engineering masters -- I was told (by the school that later accepted me) that my GPA was on the low side and that my high GPA grad degree didn't offset it. I had ~20 credits of postbac work (all A's) at the end, which I think helped. Sadly, you'd need to do any courses/mcat before you apply, because you need those As on your transcript/application, so the application year will be a bit "lost" in a sense. (You can update schools for work in progress, but your first evaluation will set the course for your app).
I'll be a 30 year old when I matriculate. Others are older. If you want to apply, I'd do it "right" and understand that there's a lot you can do to give yourself the best chance of being admitted to medical school, but it will take time.
Some extra time for your kids to grow while you cover your bases and make a more cohesive path to medicine would pay dividends. You're a bit short on volunteering for those in need, would need to prove yourself in some science coursework, as well as the mcat. While DO schools may be more forgiving of your GPA, doing some extra coursework and improving your app could be the difference bewteen a new and established school, and 4 years after enrolling, you'll want yourself to be coming from the most established and best institution possible.
Good luck!