Generally speaking, bank loans must be carefully investigated. When signing a contract, the borrower and the guarantor must do it, so this kind of situation you mentioned is rare, except that the bank loan personnel collude with your friends inside and outside. It is of course best to pay off the loan on time, but other friends who are impersonated will leave records in the bank credit information system; However, if the loan principal is too much or the interest is overdue or even not paid back, there will be bad records in the credit investigation. Needless to say, it is illegal for your friend to carve the official seal privately, which will not only involve civil violations, but also criminal violations. Let him pay the loan quickly first, and don't think about unemployment yet.