Cotto attended Menlo-Atherton High School with whom she won the Central Coast Section Division I championship in 2016. She scored the winning goal in the final match.[1]
In the 2017 Northern California State Cup Finals, Cotto tore her anterior crucial ligament for the first time. Two games into her freshman year at University of Pennsylvania, she tore her ACL for the second time during a team practice which sidelined her for over a year.[2]
Cotto made her senior debut for the Puerto Rican women's national football team in June 2021 during a 5–1 friendly loss to Uruguay.[6] On 21 October 2021, Cotto scored her first goal for Puerto Rico, opening the scoring in a 6–1 friendly victory over Guyana.[7]
In June 2023, Cotto represented Puerto Rico in the 24th Central American and Caribbean Games in El Salvador. She started all three games and played every minute, tallying in assist against El Salvador.