Please help me!

I’m a sophomore in high school and I live in Cambridge, MA! So far these are my stats and I was wondering, what are my chances at my dream schools? I REALLY messed up freshman year, failing in latin and getting two D’s. But I’m much better than what I have shown by my grades. During freshman year, I got a big concussion and missed a bunch of school and work and that’s why I got the grades I got, but still, I could’ve tried harder. Last semester, I got all B’s and this semester I have all B’s as well.
I was wondering, if I really do amazing the next year and a half before apps, will I be able to get in? And by good I mean straight A’s/A+'s even.

GPA: 2.8

SAT (2400): did not take yet
SAT (1600): did not take yet

PSAT (2400): FIRST TIME: 170, no studying what so ever

Freshman year classes:
HN Algebra 1 ©
Exploratory Arts (A)
Foundations of Arts (B-)
HN Latin 1 (F)
HN English 9 (D)
HN World History 2 (B-)
HN Physics (B)
Dance 1 (A+)
Health (A+)

Sophomore Year Classes:
Semester 1
HN Geometry (B)
HN US History 1 (B+)
HN Chemistry (B)
HN Photography 2 (A+)

Current Semester
HN Algebra 2 (Projected C)
HN Bio (Projected B+)
HN French 3 (Projected B-/C+?)
HN English 10 (Projected A-?)

This semester has been a bit rough also because of some other medical problems. Again I don’t want to blame it on stuff because I could have tried a bit harder but, I have a very difficult french teacher and have never taken french before, only through my own knowledge from home (I am Algerian so we speak in part French). My Junior year schedule is very heavy and I am planning on really putting everything I have into it, aiming to get straight A’s and fix my GPA.

Junior Year Schedule:
HN Pre-Calculus
HN US History 2
HN English 11
HN French 4
Photography 3
AP Stats
AP Bio

Sports: 1 Season of Novice rowing. 2 seasons of Varsity Rowing (Currently). 1 season of JV Swimming.

Extracurriculars: Model UN (2 years, chosen to be one of 20 from my school to go to the international New York conference out of over 100 at my school), Club 4 (2 years. It’s a club about homelessness awareness and supporting the Harvard Square Homeless Shelter, the biggest at my school),

Major Awards: The MIAA Athlectic Academic Honor Award

Other: First person going to college in my family, and I also have over 35 hours of community service, I am a muslim girl with 2 younger sublings and a single mom (we are low income), I am apart of an entrepeneurship program where I am the top buisness (my buisness gets international customers and I run it on my own), I am a junior mentor at Science Club for GIrls, I am participating in an internship at a biomedical company this summer

Reach: Columbia, Johns Hopkins, Tufts, Harvard
Dreams: Northeastern, Boston University, George Washington, NYU
I’m not really sure what else to list since there is so many but I’m hoping you all will help?

So overall, I’m very well rounded when it comes to activities. I will be continuing my participation on Varsity rowing and I will be joing my citys Youth Council next year as well as a year round internship. I am also in the works of starting a new club at my school, the UNICEF club and I am also confident that I will be one of the presidents of the Model UN club and Club 4 next year and will be joing a few other clubs. I’m very confident about my test scores and now that when I study, I will be able to get a really good SAT.
I’m just very very worried about my grades, as I should be, since that is basically the biggest thing bringing me down. Please respond I would love to hear from you!

Female
Arab
First Generation
12 Year old brother and 4 year old sister
Income: 50k