As someone who's currently on the gpa redemption route (3.2 undergrad, which is below the 10% percentile for most med schools), I would say really take your gpa/MCAT seriously. According to
aamcfactstable17, the average gpa/mcat for matriculants is ~3.63cgpa/3.77sgpa/31.4. On the postbacc forum, you'll see a bunch of people to have to take the long route, sometimes even spanning years, because they either screwed up in undergrad (low gpa or got institutional action) or got below 30 on the MCAT.
I personally think the fastest route to enter medical school is to got to a 4-year state school (full-time) and apply during junior year. This might not be realistic though and many of my peers end up applying after senior year and end up taking a gap year due to reasons like grades or not having the required letters of recommendation. In terms of activities, you'll have to solidify your interest through medical and nonmedical activities. People usually do a number of these: volunteer at hospitals, scribe, shadow doctors, community service, research, other things that they're passionate about etc all without sacrificing grades/MCAT.
You can go the cc route for the first 2 years, but make sure you know exactly what you're doing or it might end up taking longer or you might be less prepared for the MCAT. A lot of things sound great when you plan it, but you have to be ready for logistical problems (difficulty registering/transferring, bad advisors).
In terms of money, you can take gov loans for the 4 years of undergrad and 4 years of med school up to the full cost of tuition+cost of living as determined by the school. The full cost can easily>300k if you take the full amount, but I would worry about minimizing the loans from just the undergrad part since most people aren't able to not take loans for med school. There's a lot more gov aid (free money) available for undergrad and, such as grants and work study and like none for med school. They determine this based on your income and savings and spit out a number. Since they would consider you separately for from your parent based on your age, you might even get close to the full cost covered if your income is low. Of course, be sure to factor in your military aid into the planning.
Finally, you have potential to become a doctor of any specialty (e.g. ER to surgery to psych). Med schools don't require you to enter with any professional knowledge and supposedly many med students end up changing their minds during med school.
edit: typo