It's great that you have dealt with these issues and have rebound. But the fact is that many premeds have gone through stuff like you and worse and still did really well with their grades. Your GPA, to put it bluntly, is not competitive for any medical school.
Now, are you
toast? No. Lets look at your questions.
What should I do?
Well, you outlined good options for yourself below. If you want a fast-track I would go for an SMP. The great thing with SMPs is that some
help you out with the MCAT. Some give you an outline on applying
during your year at the program or when you
finish and get your certificate/degree. I really urge you to visit the Post-Bacc forums and read the FAQs. They are very helpful and will give you a comprehensive list of what program is for you and when to apply. Do you need the Georgetown or U Cincinnati SMP? No, not at all. You can find cheap ones for $7k - $12k in your state.
Should I graduate then get a job, then complete my pre-med courses part time, clinicial hours, and the MCAT and then apply to medical school in my later 20s?
This plan is very shady because many others have done premed their first time, as well as work, study the MCAT, and do volunteer work on top of that. Doing part-time premed work isn't a smart idea. If you must take this route, be prepared to make A's and get a ton of volunteer and clinical hours, with an MCAT score above 31 (the national matriculation mean).
Should I take out more loans for a post-bacc or SMP , get all As, complete the MCAT and clinical hours, and then apply in the next 2 years?
This is better. As above, many programs want
you to succeed, especially the smaller ones. This route will best show you are ready for medical school in the least amount of time. Like stated above, your in-state public SMP will cost you very little compared to U Cincinnati or Georgetown. I would do the following:
- ASAP: Study the MCAT and look into different SMP programs for price, location, what fits your needs, etc.
- January 2015: Take the MCAT and start applying for different SMPs
- June 2015: Decide where you will be going SMP-wise and start applying for Medical School
- August 2015 Attend the SMP of your choice, make A's (nothing less than a 3.7 GPA)
- 2016: Get into medical school!
That last bulletpoint should answer the next question
how long will it take to get into medical schools?
Lastly, are you
toast? No. The only way you will be toast is if you give up.