And I 'm sure it was done by using PS, but not if the lighting wasn't correct to start with. I'd love to be proved wrong on this if anyone else can show how it's done. Why not go back to the image maker and ask her precisely what she did to get that effect and in particular what did the source image look like before she processed it?

The other thing is that the Second Life characters I've seen hardly look human let alone like the image you linked to. That's either a photo of a live model (my guess) or a very good 3D model rendered very well.

Steve