Another thing to consider is the fact that ADCOMs often look unfavorably upon people who have established (read:trained for) other careers in the healthcare field and suddenly decide to go to medical school.
That's ridiculous. Come over to the nontrad forum for an endless series of RN-to-MD threads. RNs become MDs all the time. As do pharmacists, chiropractors, RTs, etc. Is it the most financially sensible career change to make? No. Is it going to be fun for the OP to recover from a 3.0 GPA? No. But there's no basis for claiming that a previous healthcare career is a detriment to med school candidacy.
While you may think that your clinical experience will help, your training and background may actually be a disadvantage to your application.
Also ridiculous. Compare this applicant's exposure and experience to the typical MD applicant who has never been responsible for patient care, much less for paying rent. If the OP has the impression that med schools fall all over themselves to get nurses to join the fold, or that he/she is more knowledgeable than MDs or that med school will be a breeze, that's not about a nursing background, that's immaturity.
There are many threads that you can find here on SDN discussing this topic so I won't go into too much detail here. Regardless, they will want you to have a very compelling reason for this change of heart given the number of highly qualified medical school applicants already out there and the continued and growing need for support staff positions (such as RN's) in the medical field.
I've read those threads too. "Doctor envy" is discouraged; an educated, mature decision to pursue medicine after nursing gets plenty of encouragement. Med school adcoms don't also serve on some committee judging whether nursing staff levels are being affected by MD "recruitment." A good candidate for med school is a good candidate, not a loss to their current industry.
Finally, please don't take this the wrong way, but I TA'd a microbiology class for the nursing students in undergrad and it was a far cry from the general/medical microbiology course. The reason that I bring this up is because it is possible that your nursing pre-requisites may actually NOT fulfill pre-medical requirements. I know that the "watered down" gen. chemistry course that the nursing students took at my school was not considered appropriate for medical school. Not saying that this is necessarily the situation in your case but it is something to consider. I would definitely check to see if these pre-requisites that you have completed do fit the pre-med requirements of US medical schools.
The OP states that he/she is aware that nursing prereqs aren't med school prereqs.
To answer your question about post-baccs: In your case you may have to take a post-bacc that is basically designed for someone with none of the pre-medical requirements completed. Some of these programs also offer MCAT prep if you find the right one. There are many such programs and I think that they will certainly be the right choice for you, as opposed to something like an SMP (designed for people with all pre-med req's completed and low GPA). You seem to be intelligent and motivated so I'm sure that you can make it if you put your mind to it. Just be ready to work your tail off! Best of luck.
Structured formal postbacs for completing med school prereqs are either for those with very high GPAs (Bryn Mawr, Goucher etc) or for URMs (Wake Forest, the UCs, etc). SMPs are for those who have completed the prereqs already. Unless the OP is URM, none of these are going to help him/her. See the GPA enhancement sticky at the top of this forum for programs that
will help. Aside from that list, most colleges allow formal/informal postbac study.
The average GPA of an accepted med student is about 3.6, with a 32 on the MCAT. Undergrad GPA is all that matters here: grad work isn't used for comparison. You can't "fix" a low GPA outside Texas fresh start. What you
can do is take enough additional undergrad coursework to show a strong upward trend, show strong grades in hard science (prereqs and upper div science), and improve cumulative GPA numbers.
In this case I would recommend doing a 2nd bachelors, because 2 more years of undergrad would nicely cover the med school prereqs, as well as ensuring federal financial aid, registration priority and access to support like dean's letters and advising (usually useless, sometimes not) AND give sufficient time/units to improve that 3.0.
If the OP would be happy as a DO, the 2nd bachelors is probably overkill.
If the OP wants to focus on MD schools, an SMP is also probably needed, because the cumulative GPA will still be low, maybe a 3.33 after 2 more years. This 3.33, with a 32+ MCAT, and an SMP, would put the OP in a position to reasonably apply to MD schools.
Lastly, JessRN, start working on your personal statement now. Use drafts of this as collateral for "working up" faculty recommenders during prereqs. Start working on a financial plan. Collect people who can serve as "adult supervision" and take their feedback seriously (including the stuff I've trashed here). Come back & see us for help along the way.
Best of luck to you.