MD 2.9 gpa, SMP?

Hey guys,

I'm having a major mental crisis so I'm just looking for some advice. I'll make it short.
I'm starting my 5 year of undergrad now in August, I'm a Psych major, pre-med. I have screwed up when it comes to grades, don't know if it's because I didn't know how to study or what. My GPA is now a 2.9, I've been doing good lately and my goal is to finish my 5th year and graduate with a 3.0 or higher.

I plan to apply to a SMP sometime during fall semester. I have not taken the MCAT yet. Some SMPs accept GREs so Im not sure whether to take the GRE and postpone the MCAT or not.

I don't really know whether I have a real chances at a Medical school anymore and I'm getting quite discouraged, its bad.

What type of extracurriculars should I have to be competitive?

I just want some genuine advice on what do you guys think I should do, what SMPs are good for me, am I even competitive for an SMP?

Anything will help

Thank you all in advance

*FL resident
Chilean