In addition to what has already been mentioned, I think what program you're going to apply to will make a big difference as well. For example if you're going clinical vs. a more standard phd like cognitive/developmental/social etc. Clinical, while very cutthroat for top programs in terms of GPA, do look at a lot more than just your GPA. Actual job experience and recommendations would be a huge boon for that. Also, whether you are pursuing a master's or a phd is fairly important too. While a 3.0 might is definitely borderline for most phd programs (but not all), a 3.0 is rather acceptable for most master's programs as long as you have good letters/experience to follow along with it. Taking an additional year to raise your grades would definitely be beneficial, a 3.0 and a 3.2 is a pretty big difference. Also were all your classes this year upper division? I know there are some schools that do not look too closely at lower division classes.
The most important thing is to stay positive and figure out what your goal is. Whether it be clinical, regular phd or master's, there are still paths open to you even now. But I would definitely try hard not to fall below a 3.0, I know most programs preclude you from even applying at sub 3.0 GPA. Having a high GRE score and strong letters would definitely help. At least you're rather lucky as a UCSD student, we have so many labs doing research all the time so I doubt you'd need to resort to other universities in the area. Just look around the UCSD psych website and look for openings, simply e-mailing the recruiter and/or showing up for interviews. Just make sure you don't slack off, because a bad/generic letter of rec is most assuredly the kiss of death for most any applicant. And if you screw around in one lab, it's most likely that all the other labs will hear about it and kinda blacklist you.