Hi A.,
It could be that her little mind is working too fast and her mouth is trying to catch up. But please do not be afraid of speech therapy.
My son could not pronounce certain sounds at four. For instance, he could not even say the letter v. He would point to a v if you asked where the letter was, but could not say it. He also sounded like he had a southern accent. People would ask if he was new to California.
We had him evaluated at our local school. When it was determined he needed help with his speech he was enrolled in a speech preschool. It was two days a week for a couple of hours. Everything was based on play. He loved it. It was just like his other preschool.
Once in Kinder he continued with speech. I was afraid of him being teased. But to be honest, the only time I saw him teased was at a party by a 10 year old boy. The boy's father saw too and I think he learned a hard lesson that day. The teachers I spoke with say that the kids are envious of the ones that get to leave class to do "special" things. I thought that my son's classmates were very sensitive and supportive. He continued in speech until the end of second grade. Our speech therapy experience was wonderful.
I understand your hesitancy. I was hurt as a mom when I first realized my son was not developing the way he should. But I think my feelings were based on the unknown and the mom desire to make everything perfect. I was taught by his speech impediment to go with the flow, and that has helped me somewhat in my parenting.
Again, your daughter's stutter could be just the processing of her vocabulary. I think it would be reassuring to you to get her checked out. It is a free service and it is very easy on her as well.
All you need to do is call your local school district. I am not sure if they would be closed for summer so you might have to wait for next year. They will set up an evaluation which is just asking your daughter to say certain things. If they feel there is a problem you will go on from there.
My son is ten now. He speaks very well. His esteem is great. He has many friends and is a leadership program at school. If you put him in a lineup of boys you would not be able to pick him out as the one who once had speech therapy.
I know your daughter will be fine either way.
Good luck to you.
C.