1) The latino part of your ethnicity doesn't count towards being URM but being black does.
2) Your GPA/URM is waving you through to HYS (Harvard Yale Stanford) but your LSAT is holding you back big time both in terms of admission as well as scholarship money.
3) Working somewhere (shouldn't be that hard with your GPA) while buckling down and studying the LSAT hardcore for the next year gives you a very good chance at top schools with top scholarship money. If you force the issue and insist on applying this cycle you roll the dice on T14 (will probably land a couple if you apply to all 14) and hundreds of thousands of dollars. Waiting a year, getting work experience, gaining perspective as a paralegal has zero practical downside.
* I cannot stress how much money you're losing out on by not retaking. $250,000-300,000 in non-dischargeable debt. Put that econ minor of yours to work and crunch the numbers on what a 10 year repayment at 6-8% would be.
Looks like it's time to break open my bibles again! I would love to attend a T-14, but I wouldn't be able to afford any of those schools at sticker price. I know I should shoot for the stars, but from this feedback I'm amusing a mid to high 160s score would be good enough for my situation?