"Failed" Med/Surg. Need Advice

I am in a difficult situation and I need some advice. I am in a BSN program, 3rd year. I am 3 weeks into the Fall semester and I failed a math quiz on med calc. I scored 8 out of 10 on the third try and according to the school policy, failing a component of clinical , the math test being one of such components means you have failed a clinical component. Failing clinical means you've failed the course. I did not know this but it is the nursing handbook and there is nothing I can do about it. My knowledge was that not passing the math quiz meant you had to drop the class.

I cannot withdraw from the class because it is 6 credits and it will put me below full time status. I will lose my scholarship if that happens and owe the school $10,000 according to the registrar. Its a private school. I went to the Dean and she said there is little she can do because it is the policy of the nursing dept. An F in a 6 credit course, MedSurg no less will do me in I am afraid. Even If I retake the class, it will be on my transcript permanently. Never mind that I never got a chance to actually take the class and fail. That is what hurts the most. Any grad school looking at your transcript in future is not going to know it was a math test that caused an F. They will think you did not try and had all semester to get a W. I was told I would get an F for the course 2 weeks into the semester! I will have to sit in the class and take the F and retake it next semester for a better grade I am being told. I cannot withdraw.

My only options now is to retake the class and probably be on academic probation until I pass it, or withdraw from school entirely and take take my course load all over again next semester. I am currently taking 4 courses: 3 nursing courses and one other one. My question is, do I get 4 W's if that is my only option? I am so worried that I will not make it to grad school because the F will look so bad on my transcript. Getting up and going to class is a struggle. My advisor told me to take a graduate nursing course so the F dosen't look so bad. I don't think that will help matters. Most hospitals are now requiring a BSN for new nurses and I am afraid they will soon be asking to see your transcript. I am being told it is not the end of the world, but times are changing and I see doom ahead. Should I just withdraw for the semester and take it all over next semester? or hang in there and pay the price. By the way, my school offers all nursing courses by the semester.