If I were you, since you already have a BS in biology, apply to PA programs instead of nursing programs
; you can skip the whole floor nurse part this way, and you'll be grateful for it. Since you want to work in psych, why not be a psych PA?
However, you're right; your gpa is just not good enough to get into any of these programs; however, prove to them that you can do the work and achieve all A's or mostly A's by re-taking anatomy and physiology and a few other courses, and your working in school interfered. Make sure you take all the courses the PA programs recommend, and also volunteer, and work in healthcare in some way before applying. PA programs will be more academically rigorous and more demanding of your time, and also more expensive, but will be worth it in the end when you make almost twice as much or at least a third again as much, hours are better (depending on specialty), and you won't have to work nights for a few years after graduating (unless you choose a specialty that requires it).
If you really, really want to be a nurse, that's great, especially if you enjoy night shifts, and not always getting a chance to eat or urinate (though you usually will be able to both eat and urinate during your shift lol; I do most of the time, but not every floor is created equal; some on here say they never get to eat). I find patient care rewarding, but I don't really have any worthwhile free time working nights. There are the few that love nights, though. Just my 2 cents. I imagine that all of this will take you a year to do prior to applying for either program.
Oh, and all NP grad programs require nursing experience...unless you apply into the direct entry master's programs. But, those take 3 years, and PA programs take 2 years.