After thinking about this a bit, why isn't there a rule that once a person has graduated with student loans (or dropped out for some number of years), they have

After thinking about this a bit, why isn't there a rule that once a person has graduated with student loans (or dropped out for some number of years), they have to pay back some large percentage of their loans before taking out more? At the very least make it so that additional loans can only be used for a graduate degree in a field directly related to their undergrad degree, and only within a fixed number of years. This lady isn't very bright, but at the same time it's not very smart to keep loaning people money when they've repeatedly failed to pay back the money they've already been loaned.