Dont let a 3.1 discourage you from applying. there are many other factors that go along with acceptance and the application process. yes there will be people with higher gpa's than you applying, but so be it. that does not mean you will not get in or get a shot at an interview where you might be able to make up for the lack of a high gpa. i was lucky enough to get accepted and my gpa was a 3.2 and i can bet there were people with higher gpa's than me.
there are factors into this and they asked me about my grades. i worked fulltime during nursing school, would i have gotten better grades if i had not, probably! also explained in my interview about my grades, there was a huge trend. when i first started school i was not there for the right reason, i got poor grades, then once i matured and determined i wanted and needed to do somehting in life
my grades went from c's to all A's with the occasional B, I pointed this out and they took it to heart thankfully
but most school look at your last 60 credit hours.
also dont forget references, they can be huge. if the right people say the right stuff about you. thats a huge plus.
experience and other factors play a role as well.