Recent RN, BSN Graduate here (post-2008 financial meltdown). I graduated from one of the best nursing schools in the nation and it took my over a year to find a job as a BSN. Every hospital i've seen in California, and other popular places to work e.g. Texas, Florida, NYC, D.C. explicitly say they wont hire ADNs into their new grad programs. So your daughter will pigeon-hole herself into working as a nurse outside of the hospital, where the rate of pay can be anywhere from 25-50% less than her hospital counterparts. If you don't start your career working in acute care, the road into the hospital can take a VERY, VERY Long time. I.E. SNF, then LTAC, then you have to bust down doors of every manager out there convincing them that your LTAC experience is good enough to work in the hospital acute care setting, which depending on your department manager, is not an easy task. Don't get me wrong it's possible, two of my close friends and fantastic nurses are ADNs who started at the bottom and busted their butts to get into a hospital...but it took them many years longer than me, and guess what? They are both in ADN --> BSN programs right now.
So TL;DR, if at all possible, go for the BSN now, take out the loans or whatever. It will pay off in the end as long as your daughter saves her money and doesnt over-extend herself with a car or a house before her loans are paid off. Private Message me at any time for advice as I have a lot more to say about nursing school, and becoming a new nurse...the environment has significantly changed for new nurses now than it was 10+ years ago.