Ask your bank if there is a way to link your Canadian bank account to your (future) Swiss account - in a way it would work like a transfer, but bypassing the wire which means the wire fee plus the cost associated with sending said wire - a.k.a. antiquated use of a fax (CHF 20) followed by a phone call (CHF X) to make sure they got your fax.
Of course you can fax way cheaper if you have a fax, or an online fax number
, but as a newbie....you learn the expensive way sometimes.
Linking like this works within Canada - CAD currency, no fees or very little, but don't know (haven't checked) internationally, plus Swiss banking secrecy and all that...who knows?!
If such a link is possible, I would set up a new account with the Canadian bank in CHF or Euro if possible, or even USD - so that when you make a transfer to Canada, you can later take money from the foreign currency acct within your Canadian account and transfer it to your checking acct; then you can set up a monthly direct deposit to your student loans and credit card debt.
I am not a banker nor a bankster.
First run the numbers from several banks and see what makes sense. Good luck and let us know what worked.