Well, that GPA is why you got rejected by the highly ranked schools you applied to along with taking 10 years to complete an associate’s degree. You are going to have to lower your standards (a lot) and apply to lower ranked schools and, yes, work very hard in your last two years of college if you want to go to grad school (any grad school - not just a top grad school). If you got a 3.9 GPA during your last year then stay on that path and continue to do your best from now on. If you want it badly enough you can do it. You are an adult now, and you need to move forward with the maturity of a 28 year old.