To be frank, you will not get in with your current stats, so it's not worth applying this year (to MA or to Ph.D./Psy.D. programs).
I recommend, as others have said, getting a position somewhere as a research assistant, even if only volunteering while getting the experience necessary for a full-time paid job (these jobs themselves are very competitive). Take some classes at a local community college and do well in them to prove you have the capacity to do coursework. If you can find graduate courses to take, do them. I also suggest getting clinical experience, such as volunteering in a hospital, working as a MHC, or becoming a CNA.
But most importantly: why waste the time, money, and stress in applying if you aren't certain it's what you want to do? Taking time off will give you the chance to decide for sure.