I guess I was trying to see if I could get away with just having a higher MCAT and not have to do anything about the gpa issue, but that's not the case unless your MCAT is abouve a 36! They want to see the grades upward trend or that you can handle the smp load and still do well. My problem is the "putting all my eggs in one basket" and risk having them all broken (on the smp), and taking the u/g all over again seems a waste and going backwards. I mean its not like I have tons of time to waste on u/g and come out with a no-degree anything!
I know it feels really rough right now, but you have to be realistic about what you're up against. Whether or not you think it's fair, the schools set the admissions standards, and you have to give them what they're looking for if you want to get in. (Incidentally, I think it was extremely smart of you to visit schools and ask about your prospects BEFORE applying. Many people find out the hard way, after they've been rejected.)
If you want to go to MD school, it looks like you have 3 choices:
1. Get a really high MCAT score.
Pros: quickest and cheapest approach. Cons: May not be possible, depending on your test-taking abilities. Even a high score may not fully compensate for a very low GPA, in the eyes of med schools.
2. Repeat your prereqs (and possibly get a second bachelor's degree).
Pros: Much lower risk than doing an SMP. Cons: Takes the most time, effort and money. Unlikely to help you admissions-wise unless you get mostly A's in the classes.
3. Do an SMP.
Pros: Faster than retaking a lot of courses. May be the only possibility for someone with a really low GPA (<3.0). Cons: Costly, extremely risky. (Hard to do well, and doing badly can ruin your chances of ever getting into med school.) May not be able to get into a good SMP without a fairly high MCAT score. Even good performance in an SMP may not get you into MD school.
As you probably know, most people with GPA issues do some variation on #2. Some people have spent up to 4 years repeating undergrad courses to repair their GPA before applying, while others just do the science prereqs and rack up a string of A's, hoping that adcoms will reward them for the upward trend even if their cumulative GPA isn't great. As long as you can do well in science classes and round out your app with strong volunteer work and LORs to convince the schools you're serious about medicine, this could very well work. But it's hard to know for sure if would for you, without knowing your GPA and MCAT score.
There's also a 4th option you may not have considered:
4. Apply to DO schools.
They use a different, more favorable method to calculate your GPA than MD schools, called "grade replacement." This means that if you retake a course and get a higher grade, only the higher grade counts in your GPA. Example: you take chem the first time and get a C, giving you a GPA of 2.0. Then you retake and get an A. Your GPA for DO schools is 4.0. (MD schools would just average the 2 grades, giving you a 3.0.) Grade replacement means you can raise your GPA much faster (assuming you can get high grades) and with fewer additional courses. DO schools also have somewhat lower average MCAT scores than MD schools. However, admissions are still quite competitive, especially at the best-known schools.
If you are focused on becoming a doctor by the fastest possible route, DO school definitely offers your best odds. You can't just put in DO applications out of the blue, though--most schools require you to have shadowed a DO and to get a DO recommendation letter for your app, to make sure you understand their philosophy. I highly recommend you look into it.
Good luck with your thought process.