I was in almost your exact situation. I had completed 4 years of school with a 3.1, and my science GPA was poor (2.33) but it was only an average of 3 courses -- much like your situation.
What I did was move somewhere where I had a good support network and where I could live rent-free, get a part-time job to pay for basic expenses aside from the rent you don't need to pay (phone, gas, car insurance), and then take full-time coursework at community college until you qualify for in-state tuition at your local 4-year university. Then take courses full-time there.
Try to take 15-16 credits (minimum) each semester, and make sure they are all or nearly all science classes. Get all A's, which should be pretty easy your first semester or two when taking community college classes.
You should be taking courses in fall, spring, and summer so you can fit 3 semesters into a year. If you can, take elective science coursework at the 2 year school and the core pre-reqs at the 4 year university -- this is the opposite of the natural order. But only do this if you have a strong background in, say, engineering, or have seen the pre-req material before but it's not on your college transcript (e.g. AP courses in HS, so forth). The fewer pre-reqs you take at community college, the better off you'll be.
Anyway, if you do summer '14, fall '14, spring '15, summer '15, fall '15, spring '16, getting a 4.0 every semester and averaging 15-16 credits per semester, you will have 90-96 credits of straight A's after college, AND you will have gotten A's in all your pre-reqs (at least recently). You then want to take the MCAT at the end of the spring 2016 semester, which means you need to have started studying in January of 2016 or so. You want to score whatever the equivalent of a mid-30's score or higher ends up being on the new MCAT scale (out of 60 rather than 45).
In the midst of all of this, continue to gain clinical experience or improve on areas of your application that are lacking besides GPA. You'll want research, clinical experience, volunteering, and maybe even tutoring if you have time. Keep in mind you're probably gonna be working part-time throughout unless you can afford to freeload with family for 2 years (which, by all means, do it!)
If you do all of that, and it all works out perfectly, you should get some allopathic interviews. That's the plan I made for myself, though my GPA was 101 credits from undergrad due to ~20 credits of P/F on my transcript from freshman year. Everything worked out and I'll be attending an allopathic program in the fall.
If you aren't really up for all that, just do grade replacement. Retake any class you got below a B- in and get A's in all of them and your GPA will be ready for DO schools in half the time. Going osteopathic will take some pressure off when it comes MCAT time as well.
I won't blame you if you don't want to have every moment of your life for the next 3 years fixing your academic record and getting into medical school. For me, it has certainly come at the cost of every other aspect of my life. I'm now singler, broker, heavier, with little time for socializing. And I'm completely satisfied with my decision 🙂 But if you're even remotely sane, you should probably go DO.
