here's another thought. This thought is the conclusion that I came to my third year of college round about say feb. (I graduated in three years so year three was my last year)
I had decided at the end of my second year summer ochem class that I would apply to med school. I didn't have the money to spend on a review course so I signed up for the uni offered course in the fall.
The stress of studying for the mcat, getting letters, writing a personal statement, looking for a job in my year out and doing well in my classes was too much for me. So, I decided to wait to take the mcat and apply till after I graduated. Two years out would be good.
I was told time and again that applying is something you do not want to do more than once and having gone through it once I would not want to do it again. The stress, the money the time and disapointment are a lot to handle.
I certainly didn't want to take that advice at first but with my 3.3ish, C+'s in four bcpm classes and no volunteer experience I realized I just had to get my GPA up.
You'll read all over the board how most people think that a postbacc (which you might not qualify for since you already have your pre-med recs done) or masters stellar GPA will not cover up what you lacked in undergrad. The admissions committees, some believe, view graduate GPA's as inflated and rely upon UG GPA as a better indicator of potential med-school performance. It's not mean it's just that they have to make certain first and foremost that you CAN do the coursework.
So, that all said, my advice would be to concentrate your last two years on getting that GPA up, getting some good volunteer and research experience. Get to know your profs well and do well in their class so you can get a stellar rec. You have two years! That's a huge opportunity!!!
This is just one option, I'm sure you'll find a solution that works for you!! And ditto to blkdawn!! If someone says you can't do it, don't return to them for advice and don't believe them becuase the minute you do then it will be true.