I have gun disease and as a result, have lost numerous teeth. I only have about 8 real teeth left. I have NEVER had pain when brushing and very little bleeding. It's hard to imagine that at age 2, she has gingivitis, but then again, I'm not a dentist!
Are her teeth straight? My GD had problems with bleeding gums and a hard time eating before she got her braces because her teeth were so crooked.
Here we have a dental practice called Western Dental. They do take payment plans. Also, there is a credit company called Care Credit. See if they do business in your state. It's a credit plan for dental treatment.
If it is gum disease, you should use one of the good electric toothbrushes (sonic care or something similar) two times per day, floss daily, and I use Listerine because it's an antiseptic. That is probably waaayyyyy too strong for a 2 year old. I do think they now have Alcohol-free Listerine, try that. If that's still too much, warm salt water works wonders in the mouth.
I just had two more teeth pulled yesterday and added to my partial. That cost me almost $1,000. I have no insurance and still more work to be done. I keep telling myself that I'd rather have dental issues than medical issues, but holy cow the cost is ridiculous!