Should I continue at my current university for just the semester, graduate at the same university, or take the semester off and work while looking for better schools with my desired major? I have a 2.5 GPA will this affect transferring for music ed?

So I am currently a Sophomore in college, originally an accounting major, now undecided. I go to my school for a fairly good price where I can be walking out with no loans to pay if I graduate from here. I realized that I would like to major in music education. I attempted to transfer into the Spring of 2019 to a school with music programs the only problem is I made the that decision late and did not have much time to get my things together to audition properly. Another problem is that I wound up getting a 2.5 gpa by failing a course.

My question is, should I stay at my school now and retake the class I failed to bring back my gpa to make it easier to transfer to a school with a better gpa, or should I take the semester off and just work while sending applications for schools with music education for the fall semester. Maybe possibly stay at my current school, get a business degree there, and get my graduate for music. The school I am trying to go to for music education is Temple university. If I did transfer I would have to take another four years of school anyway.

If I did go back to my school for the semester to pick up my gpa, I feel as if the other sources I take would be a waste of money because they do not really help me go towards my desired career path.

I personally would like to just work for the semester, but I do not know how detrimental a 2.5 gpa would be when trying to transfer to a college.