You are probably going to end up having to take out a lot of money in loans to go through an SMP to get yourself into medical school (even in programs where tuition is waived, you still have to pay around 16k for fees and you will have to take out more loan money to support yourself while going through school), and applications/interviews for the programs are also going to set you back a bit. Try to figure out your budget for that before you start.
That being said, I'd say try to take a couple courses over the next year to get at least one of your stats over a 3.0, since you said you are already taking that time to save up. Any trend of getting an A is going to help you.
That being said, you should look into Wake Forest's Post Bac, Georgetown GEMS, and ohio medpath (medpath requires at least one of your GPAs to be above a 3.0). There are also a couple programs like ohio medpath where you apply to the medical school and they can choose to nominate you for their postbac program after rejecting you from the main university. I know AMSNY has program through the new york medical schools that can nominate you to the postbac after you receive an interview.
That being said, you need to be sure that you will be able to succeed in these programs. Have you corrected/fixed the reasons you did poorly to begin with? Do you know how to get the grades you will need? Will you be able to buckle down and get a good MCAT? Are you prepared to spend the rest of your life in a significant amount of debt?
As to what Dr. Midlife was saying, she was referring to the fact that an SMP gives you most/some of the M1 (first year of medical school) courses. So if you do well, it proves you can succeed at their school, but if you do poorly, it is very difficult to pull yourself out of that mess. It is an audition.
Good luck!