You should probably ask your math advisor where he/she thinks you have a chance. Otherwise, I suggest doing the following. Look at the Application and Admission Results pages on this site from the past 5 years or so. Press Ctrl + F and search 3.1, 3.0, 3.2, etc to see what sorts of schools people with a GPA similar to yours get accepted to. Of course, you might still have a very different profile from these people, but it's something to consider.
You might also consider applying to a terminal masters program. These are much easier to get accepted to. If you do well at one of these, you might have a shot at a much better PhD program.