To answer your first question, yes.
Put off applying and taking the MCAT until 2015, unless you are 100% certain you can do exceptionally well on the MCAT without taking organic chemistry, physics, and other upper level science courses. You'd be much better off focusing on doing well in your courses in order to bump up your sGPA rather than taking the MCAT without certain required/extremely helpful courses.
Plus, what's the rush?? If you're a freshman then I assume you won't get your degree for another year and a half, at the minimum, even with the 65 credits. So if you did apply this fall, even if you had all the pre-reqs, most if not all med schools will not admit you without a bachelors degree.
I believe the latest date to take the pre-2015 MCAT is January 2015. So if you were able to complete all the pre-reqs before then and felt confident that you would do well, I'd say go for it. However, if that's the case, then you'd still be putting off applying till next year since a January MCAT is not accepted for current cycles.
IMO, I would suggest taking your advisors advice in the future with a bucket of salt. They have hundreds, if not thousands, of students to "advise." It may just be me, but I always think I'm a special case until I meet with advisors and they tell me the same b/s that they tell all their other students. I use SDN for multiple opinions from people who are going through or have already gone through the process because my advisors are all nice people but they don't know squat about med school and the admissions process.
To answer your second question, 0%.
Your chances will all depend on what you get in the rest of the pre-reqs and on the MCAT. As of right this moment, your chances are 0% because you don't have all the pre-reqs, you haven't taken the MCAT and you don't have your bachelors degree.