It’s not your GPA that is the biggest issue here. It’s that Big Fat F in Algebra2. There are a lot of problems with that F. The biggest question is why you failed the course. Did you fail to learn the tenets, concepts, materials in the course? Can you pass an on line Algebra 2 final? If you truly are at failing level for the academic materials in Algebra 2, you have a problem in moving on in math. Highly unlikely a top school will accept you if you cannot show mastery of that course, and that’s not by taking. SAT2 Math test. You need to get a good grade in Algebra 2. My suggestion is to take it in summer school if you can get into a course in any school district in your area. Or take it at community college.
Something is definitely wrong here. You are a good student otherwise; your test scores are excellent. Your teacher has quite a few math students and it’s not like a lot of them are failing her classes. You need to pinpoint the problem and fix it.
Is it the course materials, conflict with teacher, problems dealing with course requirements that do not relate to understanding the math precepts that caused this failure?
If your high school will permit you to graduate with an on line pass of this course, you’ll likely find a college that will take you. But, the likelihood is high that the top schools are not going to take you. The chances of getting into those schools is small enough because ever so many students apply to them for the seats they have. Why on earth would any of them take someone who failed a course? There would have to be a very strong reason or a super hook to get consideration. Yes, top D1 level quarterback with your record and a single fail like that might get exception. Or if your parent donated millions to a school over the years and was actively part of the development circle. Or if you have a compelling story along with being homeless or poverty level, a refugee , something that shows makes heads turn. But nothing like this here. So, given the circumstances, I see no reason a top school would over look the F. Why should they? They have enough kids like you without the F. You need to stand out at a school and bring something to the table. What you have that makes you stand out is that danged F.