I would always put my head under the water. Then ask them to try. Each time we were in the water, I would encourage them to put their head under water quickly. After several encouragements, I would explain that I wanted them to experience this and that if they weren't going to do it on their own...I was going to do it for them quickly one time only. Usually, I would have to. I would hold their nose, tell them to close their mouth, and then I would quickly pull them under. They would cry. Then I would leave it alone for a while. The next time, I would bribe/reward them somehow if they did it on their own. Usually, they would put their face in(not hair). But, I would reward that. I would always give them step by step ways to make sure they don't breath in the water, which is what scares them. They've slowly gotten better with the water. She's at an age that things all of a sudden scare them. It's normal. Just keep encouraging and teaching her. You might show her a video (or pictures) of herself before in the water if you have one. It's important to teach them to overcome their fears. It is also important, while doing so, that you reassure them that they are safe. My daughter didn't trust her lifejacket. I tried it the slow, comfortable way forever. She would always scream. That is really bad, since panicking in the water is the most dangerous thing. So, I had to do it the old fashioned way, and throw her in with her life vest on. (after I showed her calmly that the vest pops her up). Then I demanded that she calm down or I would not hold her (which is what she wanted). She eventually calmed down, then I could teach her to lay back and hold her head face up. Then eventually I could turn her over and she could turn herself face up on her own, etc. But, it took a good amount of teaching her the hard, "traumatic" way. I didn't like doing it, but I know how dangerous panic is on the water, and we go skiing in a boat. I needed to make sure she would not panic if anything happened. The need to overcome that fear is more important than her comfort level. That's my opinion. You could always try swimming lessons. My friend's son would always be scared with her, but would do anything the instructor told him to. He obviously felt the instructor was safer. But, it worked.