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I dont know how much a postbacc is going to really help someone with a 2.8-3.1 with only a few semesters to go. That is just very low - low enough that many schools will just auto-screen, and those who don't will find themselves wondering "why should I let this person in when I have a stack of applicants with 3.7+ GPAs sitting right here? It could..... it would probably have a higher yield if the OP is open to DO programs.
I would say a masters or PhD program is a better bet. We have PhD students in our class as well - a medical student body is pretty diverse, actually. Legitimately pursue another degree (one that has job or career opportunities in case you need to put this dream on the back burner for a few years) rather than simply tacking on more classes. From what I understand, schools will look at graduate work separately from UG work, so while that number remains low, a top to bottom PhD or Masters (w/ thesis would be better) with a 3.8 or so will go a long ways. An extra semester or two of post bacc work won't go a very long ways towards fixing the problem (also because from what I understand, this gets lumped together with UG GPA.... but different schools may treat this differently)
I would definitely not advise a Ph.D as a path to med school. Do a Ph.D if you want a job in research. It becomes your life, and it's not just a few years that you set aside as a stepping stone to med school.
Besides, postbacc work helps boost your uGPA until it is past the auto-screening threshold. The lower your GPA, the more work you need, simple as that...yes, it may take years to have even a low-but-viable GPA. However, in those years you a) show an upward trend b)demonstrate that you can take on a full load (classes + work, full classes, formal SMP, what have you) and c) give yourself extra time to make your ECs outstanding so that once you make it through the auto-screening, they have a reason to look twice despite your lower-end GPA.
So, no...an extra semester or two won't net you much. However, an extra few years can boost your GPA quite a bit, and without dedicating to a long-term Ph.D or master's program. Ph.Ds in science are a 5+year ordeal and don't involve much coursework anyway...think of how many other things you could do in 5+ years to improve your GPA and app!