Sis, is your husband's salary also transferred to SCB? I mean same bank ba where his salary is being transferred and where the loan outstanding is? For some companies, part of the visa cancellation process is to inform the bank that their employee will cease to be a part of the company. And normally, yun gratuity will automatically be used to settle the loan.
Hindi ba enough yun gratuity to cover the loan outstanding?
As far as I know, and i maybe wrong, you will not be stopped sa airport unless you were wanted by the police.
It is indeed very risky, sis! Ang mahirap kasi dito sa bansang ito, pabago-bago ang rules, and walang clear-cut information na provided sa ating mga expat.