We hired a first timer years ago. I paid everything (agency etc) and she was loan free. But one of the crazy helper's in our building decided to put her name down as a guarantor of a loan. Neighbor gave the lenders our land line # and they called to verify if she was employed etc. Luckily I picked up the phone and interrogated the lenders asked them to remove my helper as a guarantor.
However, the second time she wasn't that lucky and a cousin did the same. Cousin did a runner and emigrated to Canada and left my helper to pay off the loan. Again we stepped in and helped her pay it off.