My second and third year grades are filled with Cs and Ds due to unavoidable circumstances (deaths in my family + working full-time). I started seeking professional help to help me sort out my life and my last year's grades were okay for undergrad. I then went on to do an unrelated Master's in HRM to further boost my "last 2 years' GPA". All this while, I have also been gaining a lot of research and healthcare experiences. I am applying this year. I don't know what's going to happen. But for schools that look at the cGPA or for places that have a "GPA cutoff" for screening out purposes, I am thinking to mention it briefly in my SOP.