She is Thai. As far as I am aware she doesn't have any qualifications. All she's taken in the UK is English proficiency. If you did have to study at a university, I don't know what they're like in Scandinavia but in the UK there is a great deal of support for international students.
I think all of your fears are very valid. I know it's difficult to contemplate when you are so attached to current T, but I think it's quite likely you'd be able to find a T who could work in another language, such as English.

ETA: she did experience some racism where she used to live, I believe. I know it hadn't always been easy but she's received MH support too from the health care system.