I agree that you need to check out the differences at your gym. Xcel can be a great program, but for those gyms that use it as an alternative to the JO system (I'm not talking about the ones that use it as a stepping stone to certain JO levels), it is likely to be an option with less hours per week and costing less money. The less hours and money can be good, but quite often the coaching is not as good (at our gym, coaching is significantly more demanding in the JO program), and it is unlikely that she could progress as far in the same amount of time with less hours. If she has other activities, wants to do it more "for fun" than anything else, or balks at longer training hours, Xcel can be a good option. If she wants something more serious, you should go with JO L3. But better to go in with your eyes wide open. Ask around to other parents and to the staff what the differences are between the two and what the attitude toward the Xcel team is at the gym.