Re: Moving to Swissssss - list of inquiries
I recommend to think about your plan very very carefully as from what you're writing here, you won't get far.
40k for two people will cover you for a mere year if you live EXTREMELY frugal. 2200/month is the poverty level for one person - you do the math.
Chances you'll find a student job at 15 hours/week that would provide an income of 2000-2500 are close to zero. That salary is not realistic, not even gross, let alone net. Also, if you don't speak the local language, you will both struggle massively to even find a (part-time student) job at all.
There's also no way you'll find an apartment big enough for the two of you for 800/month in any urban area. You may not need much, but even the most basic studio goes for more than that. Moreover, it's unlikely anyone would rent out a studio to two people, so you need to look for 2BR apartments (1 living room, 1 bedroom), which go for at least 1.5-2 times that budget.
The only realistic way for your girlfriend to even be allowed to come here at all is for her to enroll at university and get a student permit. I realize that's your plan, but be aware that this is likely the only option anyway. She won't qualify for a work permit on her own - because based on what you write, I'm assuming she's around your age, with little relevant work experience (< 5 years) and with an undergraduate degree only (since you say she's considering getting a Masters degree I'm guessing she doesn't have one yet) - this doesn't qualify her for anything other than a student permit. The concubine option is also extremely unlikely to work out, due to both your backgrounds and financial situation.
Best is for the both of you to enroll at university and get independent student permits. Of course that doesn't solve the financial issues which you seriously need to revisit, otherwise you'll be in for a massive surprise. Don't ever underestimate how expensive this country is.
You should definitely consider settling somewhere in the EU instead of Switzerland. Not only would it be easier from a permit perspective, but the money would get you a lot further. It might still not be sufficient, but at least you won't burn through all your savings within less than a year.