not to be the only negative one posting a reply here, but as someone who has gone through this application process before, my experience is that grades count for more than MCATs. yes, both are very important and yes, the MCAT is supposedly the 'great equalizer', but there's no getting around the fact that your GPA reflects four years-worth of effort (while the MCAT is a single day) as well as your ability to handle advanced coursework, and a 3.1 is way below the average for med schools. i've watched plenty of older friends go through this process and those with high GPAs but lower MCATs fare way, way better than those with lower GPAs but fantastic MCATs. your MCAT score is great, but it won't cancel out your GPA. i pretty strongly disagree with brandonite's post above: to be honest, i think the only way you'd have a shot at a top 20 is with a tremendous amount of luck and some connections. i'm not saying this to be harsh--it's just that a 3.1 is pretty hard to overlook. i can think of many people i know who graduated with similar GPAs from top schools with 34+ MCATs who didn't get in *anywhere*.
BUT, the fact that your GPA is from hopkins will help, since that's recognized as a great school with grade deflation. also, as someone else noted, has your GPA consistently hovered around a 3.1, has it bounced around a lot, or does this reflect a gradual improving trend (which will score big points)? also, do you have a lot of research experience? outstanding volunteer experience? these things may help to outweigh your GPA in certain schools, namely those who aim to look at the whole package. unfortunately many schools will make initial objective cut-offs based on numbers, and you may not make this first cut--this is why your GPA needs to be higher from the get-go.
as for applying, you don't state where you're from, but definitely apply to your state school!! also aim for lower-tier schools. sure, throw in a few higher ranked ones, because you never know, but i would focus on the lower-ranked schools. but if you want to improve your chances even further, i would strongly recommend getting a masters degree to prove to adcoms that you can handle graduate-level work (which is what will be doubted based on your GPA). it's a pretty common route for those who want to improve their GPAs--heck, that's what i decided to do between the first time i applied and now.
anyway, my point isn't to discourage you, but rather to let you know what i've gone through. the thing that matters most in applying to med school is persistence. you can PM me if you want any more info...
whatever you decide to do, good luck!