Do you need to increase each bar to 3 or 4? For 3, do the best you can (you won't max it) then spy on her room. You'll see her friends use lotion on her bottom (if I'm remembering correctly). You can then buy this and use it in punishments. This will be the key to levelling Rachel (and Cassandra) up.
If you've done that, then make sure you've maxed Debbie too. This should give you the options you need to level up further.