A few years back I graduated with a 2.95 and got accepted to two of the five schools I applied to, and one offered me a scholarship! I ended up going to the non-scholarship school because of the location. None of the schools I applied to required GREs, so I didn't take them. I would recommend finding some professors who will give you really good recommendations.
It can be done, you just need to make sure all the other parts of your application make up for it. Good luck!
As far as debt is concerned... It's an MSW. You won't be making much when you graduate, so don't take out a ridiculous amount of loans to get the degree. It's not worth it, and the job market now is not pretty.