Yes, they are 100% taken. Most people that even do 1 year MSc write 2 and then do OC/gap year between SA and FT

 

Wouldn't they get caught out for lying when the bank requests their university transcript in background check/onboarding?

 

No, they don't care, know people that have done this and it is completely fine and a good number of BBs and EBs take final year students

 

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