requirements and advice?

First off great forum. Second, quick and long question.
I am a corpsman in the US Coast Guard. My job includes: phlebotomy, diagnosing pts and prescribing meds under the supervision of an MD, shooting x-rays, and preforming minor surgeries. I have been an EMT-B for the past 3 years. I blew off my first two years of college (gpa 1.7  in business admin) mainly because I didn't enjoy it and I was immature and unintrested. Now, 4 years later I'm trying to get to Med school.  So far, in the past year, my gpa for prerequisites for med school is 4.0, from both 2 & 4 year colleges, which has moved me to a 2.5 gpa overall. I still have 24 more hours of prereqs to get, which will put me at 136 sh. of school and a degree. I have also already taken A & P (A) and microbio (A) and I plan to fit biochem in. I get out of the military in May 2006. I have a few great letters of rec. from MDs, PA-Cs, and one from my microbio PHD. I work 65 hours a week and take 12 hours of night and weekend classes a semester, all prereqs. I have about 30 min a day to see my wife so my volenteer work is at a minimum and nearly impossible. As of Dec, I will still have physics II and org chem II (spring semester) to complete . I take the MCAT in Aug (I've been studying with Kaplans QD during lunch for about an hour) Sorry, this question grew a little bit. When should I apply for School, what are my chances at U.S. or Caribbean schools, and what worries should I have? I hope to get into the Aug 2006 class if I apply in Dec. Any info would help. Thanks for your time. pleeease help. I'm stressing (probably due to sleep deprivation). Thanks again. Any comments, good or bad, are welcome.