Live 2026 data · Tuition, rent, visa, salaries, PR pathways & more
Luxembourg
59
GoScore
Budget/mo
$1,800
Salary/mo
$4,200
Philippines
44
GoScore
Budget/mo
$400
Salary/mo
$500
AI insights unavailable
Study Abroad GoScore Ranking
GoScore 0-100 · Weights: affordability, PR pathway, safety, career & quality of life
Key Comparison Metrics
Public university tuition / year
Monthly student budget
Part-time wage / hour
Student visa fee
Post-study work visa
IELTS band required
Safety index
Quick Verdict — 2026
Luxembourg wins for students (GoScore 59 vs 44). A 2-year master's costs $12,600 in Philippines — 72% less than Luxembourg, saving $32,400.
Luxembourg wins for working professionals (GoScore 62 vs 33). Professionals in Luxembourg retain $1,850/month after expenses — $2,050/month more than in Philippines.
Luxembourg is stronger for permanent residence (GoScore 69 vs 46). PR takes ~5 years in Luxembourg vs ~10 years in Philippines.
Total cost of attendance in Luxembourg — tuition ($1,800) plus living ($43,200) — is $45,000. In Philippines: $12,600 ($3,000 tuition + $9,600 living).Philippines is 72% cheaper, saving $32,400 over the degree.
In Luxembourg, 20 hrs/week at $14/hr earns $1,120/month — covering 80% of outside-city rent. In Philippines, the same hours earn $160/month — covering 59% of rent.
After rent, groceries, transport, and utilities, a professional in Luxembourg retains $1,850/month from $4,200. In Philippines: $0/month from $500. Over 5 years the gap compounds to $123,000. Tech salaries: $6,000/mo (Luxembourg) vs $900/mo (Philippines).
Luxembourg: PR pathway ~5 years. Philippines: ~10 years. Post-study work visas: 12 months (Luxembourg) and 0 months (Philippines). Student visa fee: $350 vs $70.
Minimum IELTS band: 6.0 (Luxembourg) and 5.5 (Philippines). Philippines has a lower threshold — beneficial for applicants close to their target band. Take a free IELTS mock test on mockDe to benchmark your exact skill-level gaps before applying.
| Metric | 🇱🇺 Luxembourg | 🇵🇭 Philippines |
|---|---|---|
| Study GoScore | 59 | 44 |
| Work GoScore | 62 | 33 |
| Settle GoScore | 69 | 46 |
| Public university tuition / yr | $900 | $1,500 |
| Monthly student budget | $1,800 | $400 |
| Avg net salary / month | $4,200 | $500 |
| Rent 1-bed (city centre) | $1,800/mo | $450/mo |
| Post-study work visa | 12 months | 0 months |
| PR pathway | 5 years | 10 years |
| Safety index | 76 / 100 | 40 / 100 |
Understanding a country beyond spreadsheets — unique facts about each destination that shape the experience of living and working there.
🇱🇺 Luxembourg
Luxembourg has the world's highest GDP per capita at $135,000 — more than double the US figure.
Source: World Bank 2024
The minimum wage in Luxembourg is €2,570/month — the highest in the European Union.
Source: MECO Luxembourg 2024
Luxembourg's Spuerkeess bank issues mortgages in 3 currencies (EUR, CHF, GBP) — reflecting the country's unique multilingual financial ecosystem.
73% of Luxembourg's workforce are cross-border commuters from France, Germany, and Belgium — making it the world's largest employer of international daily commuters.
Source: STATEC 2023
🇵🇭 Philippines
The Philippines is the world's 3rd largest source of English-speaking professionals — over 100 million people speak English as a working language.
Business Process Outsourcing (BPO) generates $30 billion/year in the Philippines — it's the world's largest offshore service delivery hub.
Source: IBPAP 2024
Filipino nurses and doctors work in over 40 countries — healthcare training here is internationally recognised across Asia, Europe, and the Middle East.
The Philippines became a lower-middle-income country in 2010 and is projected to join the upper-middle-income tier by 2026.
Source: World Bank 2024
Popular Comparisons
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Data Sources
Editorial
Compiled by mockDe Editorial Team
Verified by IELTS-certified advisors with study-abroad counselling experience.
Freshness
Data reflects 2026 benchmarks.
Last reviewed June 2026.
AI verdict cached permanently; regenerated on data change.
All figures in USD. AI insights by Gemini Pro. Values are indicative — verify official sources before making relocation decisions.