After the licence you can go on and make your doctor's degree in every university. The numerus clausus doesn't exist in Switzerland yet, but all universities have a compulsory registration for psychology quite early before the studies begin. The studies of psychology at the four french speaking universities including Fribourg are coordinated through a convention, which gives the students the possibility to change their university in full liberty. A postgraduate course of study, in which one can reach this title is being planned. Only some insurance have a list of a few psychologists for which they pay.
Actual members are the associations of modt of the universities.
The situation for Swiss students is not exactly the best, but also not very bad. The costs for studying are quite low, but the higher are the living-costs. Moreover it is getting more and more difficult to find an apartment or somewhere else to live. Many students are indeed working besides studying. The unemployment rate in Switzerland, though it encreased dramatically in the past few years, is still quite low.