I wish to buy the Creative Cloud Suite for my daughter, however she is not 13 until February. Therefore I am wondering if I purchase the normal individual plan for her now , whether I would be able to change the payment plan to a student account when she is 13 years old?
To change plans you must cancel what you have and buy new
To do so without the usual early cancel fee you must contact support
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I'm not sure how helpful it is to give a 12 year old access to pro-level design software unless they are enrolled in a structured course that can help them learn to use the tools properly. Photoshop and Illustrator are NOT exactly simple tools to master.
Free & low cost alternatives might be all she needs at this point.