You can call me a negative nancy too.
Your options are buy the phone and get a data plan. Buy an unsubsidized phone, unlock and go over to t-mobile or - and here's the shocking one
Choose another phone that has multimedia capabilities.
Why does it have to be an iPhone? Because you/your daughter like it the best? Well that's fine and dandy but if you can't afford the costs that go with it at this time, then save your money and buy one when you can.
I'm not being elitist. I'm just someone who thinks it's important to live within ones means or below it. If I wasn't in a position where I could afford the phone I wanted, the apartment to rent or buy, the car to lease or buy, the restaurant I wanted to eat at, etc then I would choose an alternative.
The difference between WANT and NEED are important to remember. No one needs an iPhone. Nor do they NEED a camera. Or whatever feature. These are all wants. If you do NEED a cell phone then you can choose from plenty which are cheap/free and only require a voice plan. And I understand wanting to consolidate devices as that's why I, myself, chose the iPhone. It wasn't a NEED. It's what I WANTED. And it was within my means.