Something doesn't compute there. I'm an adult male, 5' 7" tall (about a foot taller than your daughter) with a 29" inseam, and a toy store 24" kid's mountain bike fits me. It certainly seems strange that someone a foot shorter would max out the adjustment range on a bike that size. I bought it when I started riding again at age 65 because it was extremely cheap and I wanted to see if I could ride at my age before spending a lot of money. After about a month, I switched to a real bike...a 16" frame mountain bike.