shadowclaw, I wouldn't worry too much about it. If you are doing well in your master's, admission committees will care much more about that than your undergrad experience. If you are asked about it you should explain in plain terms that you had difficulties because you were working full time and lacked direction in your education (best to leave out personal details, as explaining those can get lengthy and won't help you). I had a very similar experience, I had a horrible first two and a half years (my gpa was something like 2.4 after my second year) but turned around when I switched majors. There's only one program I'm applying to that requires an interview, but I mentioned my grades very early in my SOP, gave a short explanation, and then turned it around into demonstrating how far I've come academically (mentioning research awards, seeking out new academic opportunities, teaching, etc). So far, that approach seems to have worked, as I've managed to get early acceptance to two very good PhD programs. It's best not to dwell on it too much, they can see how well you're doing in your masters and you're obviously prepared for the rigors of graduate school.