G.B.
I'd say they'll start doing stuff now. Her jaw could be growing now. I now kids that are 7 and 8 are getting bionaters and other devices to stretch their jaw bones gradually so when they get to the point their jaw stops growing it will be the right size. She could have an extender tool now or in the next couple of years when her adult teeth start coming in is more likely.
It sounds like she needs to have some corrective surgery now on her palette. Poor kiddo. She's going to have so much to bear. But if she doesn't do it as needed it will be too much for her to go through as an adult.
I'd plan on taking her to a dental college for as much of the work as possible if it's cheaper than this doc is quoting.
I would also imagine all the surgery would fall under health insurance and not dental. That would be a huge help of course.