No, she is not fat. She could stand to lose a few pounds, but most of us could. Part of the problem on why people think they are fat is because of the BMI scale. Research has shown that people who are overweight, actually live longer than the people who are "normal" on the BMI scale. So right of the bat we are using a flawed system to determine our ideal weight. If you do decide to lose weight, please do the research, and do it the healthy way. There are no shortcuts, when it comes to your health.
No way in hell. That's what we call curves. She is NOT fat, and if you look like that neither are you. I find the girl in that picture attractive, and I would say she is an average build and has really nice hips. If your worried fitness, get a little bit of exercise and tone up, but don't worry about losing weight. :)
No. I wouldn't call her fat, by any real standards. Does she have some weight to lose? A bit. However, as she is, you can still see her shape and curvature. I define "fat" (when I would call them that on sight) as when I can't see the natural shape in which their body was built. This girl could very easily become pretty attractive.