Thanks everyone for all your advice. Went to the Apple Store tonight. DD used her money and got the iPhone 6. We went with Verizon, it will be $65 a month instead of $35. DD is going to pay the difference in plan cost. And she's going to put her next 2 paychecks in the bank to repay her savings account! She's happy! We were going to stick with Virgin Mobile, but they don't have iPhones at this time and couldn't get the ones from Apple to work with them, we tried. So went with Verizon instead.
Another question though, should we get Apple Care? We have 60 days to decide. We didn't last time, but I'm thinking of getting it this time. We did get a good case and screen protector this time also. Would you get Apple Care though?