There are correlation that shows MCAT scores with passing the USMLE, that is relative and not always the case. I have meet a statistic professor and coach for the MCAT, he told me that it is not a very strong correlation. Having said that, I also recommend that you don't read or reply to folk who have negative views in this forum. They are the source of you not excelling. If you put your will to it, you will succeed. Everyone who graduated in medical school will likely to owe tons of money. Just keep your positive thought up.
I don't have a plan to retake the MCAT, I might or I might not. My undergrad GPA is 3.3 science GPA is a bit lower. I just got accepted to a master of science in biomedical sciences and will start this August. These courses will help you prep for the MCAT as well as medical school courses, and help fix your GPA. Search around, cause some of them will cost 30 grad or more for a year. I am doing mine in a year and will cost 22,000.
If you don't want to do the master of science rout, take more science classes and show a trend of increasing GPA. Get your GPA to at least 3.2 and then maybe take the MCAT again. If not apply to AUA medical school, you might have a good chance. Saba is another options. These are the 2/5 medical schools that required MCAT. I recommend you visit their websites and text the admission counselor. They will let you know what to do.
If you have any other questions feel free to talk to me. We're in the same boat, keep your head up, don't let other on here drag you down. They might think they are doing you a good favor by suggesting you to quit, save your money, and so on... ignore them.