What is her grad year and what age group does she play in? The only reason that I ask is because if she is in 8th grade or older the process has already started. I know that my players school is working on their 2019 class of domestic players and working on 2017 and 2018 internationals. The process starts quickly and the money goes just as quickly. Now if money wasn't something that you care about then take your time.
I agree with you but with a caveat...those top players that are filling up the recruiting classes of the Penn States, UCLAs and the Stanfords of the world don't have to do much to get recruited. There is also more time if a kid is interested in a mid major or an Ivy. If a kid is a good player but not YNT pool player or a regular on an ODP squad they will have to do a little more work but also have a little more time. As for money I know seniors that committed for D1 schools that received athletic money...maybe not full cost of attendance but they did work something out and if they end up showing a strong work ethic and make an impact on the team there is/was more money for them in the future.
One of my players was recruited by the school she ended up at December of her Senior year. She paid a total of 5 figures out of pocket for a degree at jesuit catholic university. The staff "found" money for her and made it work for her.
I guess my point is all is not lost if you start the recruiting process on the late side if your player is solid with an outstanding work ethic.