Oops originally posted in wrong topic, need advice on MCAT/application

I need advice…help please. Background: I am a 28 y/o physical therapist, I had great grades in undergrad and PT school (3.7 and 4.0) and 3 years of experience as a PT. I am taking second semester O chem (my last pre req) and will finish in May, but have not prepared for or taken MCAT. I am working full time and married, no kids. My debate is that I think I need some dedicated MCAT prep time while not in class. I can not quit my job now (student loans and a mortgage to pay). So if I prepare for the MCAT april-july and take it in July or August is it worth applying this year? Should I take a whole year for MCAT prep and apply in 2011? Of course like everyone I am ready to get this show on the road and am leaning towards application this year, but will a poor MCAT score this year hurt me if I need to retake and apply next year? Any insite into my situation will be so appreciated. Again When to take MCAT and when to apply? Help please…