So, one can file an N-400 for $640 + $85 or $725. My wife's daughter would get citizenship through Mom if mom's application goes through before she turns 18. So she will technically already have citizenship and can get a US passport. But, if I want a piece of paper that says she is a citizen I have to pay $1,170 for what she has technically already been granted. It's not the money, I can pay that. It's just the government charging another $1,170 for something already "granted". And, what are they actually doing to justify the expense? She's already granted citizenship and is eligible to apply for a passport the next day after mom's oath. It's not like they realistically are going to take it back.
If I waited on the filing (eligible to file now) for citizenship for a few months then it's likely her daughter would turn 18 before my wife gets citizenship. Then she would have to wait for the 5 year mark, file the "short form version" of the N-400 herself , pay $725, take her own civics test and oath and still get a Certificate of Citizenship. She's already waiting for ROC with mom right now to get a 10 year card. I assume if mom doesn't get her citizenship until after she turns 18 then they take only mom's green card and her daughter would keep hers until she would file under her own 5 year rule.
It doesn't make any sense to me.