That is why banks here have become stricter in granting loans for those who badly need it and will honestly pay for it.

I also know people from my work who did the same, as of now they are running free and think that they got away with it (wiwithout hardwork plus extra money on their pockets), but we may never know in the future.

You are right to advise her, the world is getting smaller with the help of technology. I think its much better to travel freely without the feeling that one day someone is on the hunt for you, knowing that you did something intentionally wrong