Oh dear been there, done that. NO it's not too late for the baby to turn, so that's the good news. Start working at it NOW though. Here's a list of things that can work to turn a breech baby (note: my first was breech and I *did* have a c/s, much to my disappointment. Just a month ago I had my second child - a VBAC - and it's SO much better birthing a baby the way Mother Nature intended, so definitely avoid the c/s if you can).
1. Check www.spinningbabies.com - they have a pretty good list of things
2. Breech tilts - lay on your back or better yet, be on your elbows and knees with your hips higher than your shoulders. You will probably have to do something involving your couch and possibly an ironing board or a pile of cushions to do this. Do it for 10-15 minutes, 2-3x/day. You can combine this with several of the other things I have listed below.
3. Relax. Visualize your baby turning to head-down. Talk to your baby. Sounds hokey but I'm serious.
4. Heating pad on your lower abdomen, frozen veggies on the baby's head. Babe should want to turn towards the heat.
5. Gentle massage to "encourage" the baby to flip around. Do while you're doing breech tilts on your back. Don't force it, but you can give the baby some encouraging circular pushes to get around.
6. Moxibustion. This is an accupuncture technique that I successfully used to turn my most recent baby from breech at 32 weeks. Dr. Fernandez at "Art of Natural Healing" in River Forest is who I saw, recommended by my midwife. He was great. It worked. www.artofnaturalhealing.com
7. Webster maneuver (chiropractic) - I tried this for my first baby starting around 34 weeks and it didn't work for me but it does work for many people. I used Dr. Estelle Nella at Bucktown Chiropractic, recommended by my midwife at the time. I actually went to her throughout my more recent pregnancy too, for hip pain etc. I hear that Sean Manning in Oak Park is REALLY good too.
8. Flashlight on your belly - move the light down towards your crotch
9. Earphones on your lower belly.
10. Swimming and diving in the pool
If none of these work they will offer to manually turn the baby (called an extracephalitic version, ECV). I tried this at 37 weeks and it was unsuccessful, but it DOES have about a 60% success rate so it's worth a shot. The risk to the baby is very minimal. If you opt to do this see if you can get someone who has a high success rate since I gather it's operator-dependent.
GOOD LUCK. If this is not your first baby you DON"T HAVE TO HAVE A C-SECTION - there ARE doctors who will deliver breech babies vaginally and are experienced at doing so. (They generally will shy away from doing a first baby just because they want someone with a "proven pelvis" ie they know a baby can fit). Be assertive and ask.
A c-section is not the end of the world, but keep in mind that it will impact all your future pregnancies because you will be a VBAC after that. GOOD LUCK!!