As an admissions director, I can tell you that admission committees, generally, want to select the most well qualified applicants for the class. Programs may differ on what represents "well qualified." For some programs, your CGPA would be too low to apply. I suggest only applying to those for which 3.0 is the minimum.
Keep in mind 3.0 is likely not competitive.
Given this, you want to give the most well-reasoned answer as to why you want to be a PT and what issues impacted your ability to succeed as an undergraduate. These should not be a laundry-list of excuses. But if there is an actual rationale, I don't think it hurts to say that. Also include whether or not this issue persists, and if is does, what you've done about it in the past.
Good luck!
Josh Morrison
Director, Student Enrollment Services
IU School of Health and Rehabilitation Sciences, IUPUI