What are the main factors that influence a Certified Debt Specialist's salary?

The primary factors are: 1) Experience Level, 2) Geographic Location, 3) Education/Skills, 4) Company Size & Industry

What industry pays the highest salary for Certified Debt Specialist?

The Pharmaceuticals industry offers the highest average compensation for Certified Debt Specialist roles, with salaries approximately 40% above the market median.

How does experience change A Certified Debt Specialist's salary?

A Certified Debt Specialist's salary grows with experience: starting around $76,612 for beginners, reaching about $111,738 at mid-level, and approach $162,504 for experts.

What are the highest paying states for a Certified Debt Specialist?

Certified Debt Specialist salary varies significantly by state. The top 3 highest paying states for Certified Debt Specialist roles are District of Columbia $79,737, California $79,435, Massachusetts $78,376. These tech hubs typically pay 10-15% above the national average.

How much do different types of Certified Debt Specialist roles make?

Salaries for Certified Debt Specialist level roles vary by specialization: Certified Payroll Specialist: $92,194; Certified Audiology Specialist: $88,920; Debt Specialist: $78,157; Certified Peer Specialist: $75,657; Certified Coding Specialist: $74,345.

Certified Debt Specialist Salary in Massachusetts

How much does a Certified Debt Specialist make in Massachusetts? As of September 01, 2026, the average salary for a Certified Debt Specialist in Massachusetts is $78,376 per year, which breaks down to an hourly rate of $38.

However, a Certified Debt Specialist's salary can vary significantly. Here's a look at the typical salary range:

Top Earners (90th percentile): $94,555
Majority Range (25th-75th percentile): $73,808 to $86,845
Entry-Level (10th percentile): $69,649

10% $69,649

50% (Median) $78,376

90% $94,555

Certified Debt Specialist Salaries by Percentile

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$86,845	$7,237	$1,670	$42
Average	$78,376	$6,531	$1,507	$38
25th Percentile	$73,808	$6,151	$1,419	$35

Salary Factors Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

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Key Factors That Influence Certified Debt Specialist Salaries

A Certified Debt Specialist's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location and company size can directly affect your earning potential.

How Experience Level Affects Certified Debt Specialist Salaries?

Experience is a primary driver of a Certified Debt Specialist's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

Entry-Level (less than 1 year): $76,612
Early Career (1-2 years): $90,742
Mid-Level (2-4 years): $111,738
Senior-Level (5-8 years): $141,180
Expert (over 8 years): $162,504

Job Role	Years of Experience	Average Salary
Certified Debt Specialist	less than 1 year	$76,612
Regulatory Affairs Specialist II	1-2 years	$90,742
Regulatory Affairs Specialist III	2-4 years	$111,738
Regulatory Affairs Specialist IV	5-8 years	$141,180
Regulatory Affairs Manager	over 8 years	$162,504

How Do Certified Debt Specialist Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Certified Debt Specialists. For example, consider the average annual salaries in these key locations:

District of Columbia: $79,737.
California: $79,435.
Massachusetts: $78,376.

District of Columbia $79,737 California $79,435 Massachusetts $78,376 Washington $78,088 New Jersey $78,059 Alaska $77,958 Connecticut $76,965 New York $76,561

Hawaii $75,272 Rhode Island $74,667 Maryland $74,257 Minnesota $73,695 Colorado $73,479 Illinois $73,407 Oregon $73,133 Delaware $72,932

New Hampshire $72,805 Virginia $72,521 Pennsylvania $71,693 Nevada $71,275 North Dakota $71,138 Michigan $70,922 Wisconsin $70,843 Vermont $70,685

Texas $70,245 Maine $70,217 Arizona $70,173 Ohio $70,123 Georgia $69,460 Indiana $69,129 Wyoming $69,064 Utah $68,963

Iowa $68,920 Kansas $68,575 Louisiana $68,474 North Carolina $68,438 Missouri $68,423 Florida $68,142 Montana $67,991 Nebraska $67,847

Kentucky $67,768 South Carolina $67,480 Tennessee $67,300 Idaho $67,228 New Mexico $66,702 Oklahoma $66,587 Alabama $66,162 South Dakota $65,449

Arkansas $65,060 West Virginia $64,851 Mississippi $64,225

Top Paying Cities for Certified Debt Specialist

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

Agawam: $74,291
Amherst: $74,834
Barre: $75,581

Agawam, MA $74,291

Amherst, MA $74,834

Barre, MA $75,581

Belchertown, MA $74,764

Blandford, MA $74,624

Bondsville, MA $74,777

Brimfield, MA $75,182

Chester, MA $74,314

Chesterfield, MA $74,324

Chicopee, MA $74,281

Cummington, MA $74,123

Easthampton, MA $74,456

East Longmeadow, MA $74,335

East Otis, MA $74,637

Feeding Hills, MA $74,332

Gilbertville, MA $75,377

Goshen, MA $74,317

Granby, MA $74,477

Granville, MA $74,875

Hadley, MA $74,636

Hampden, MA $74,487

Hardwick, MA $75,418

Hatfield, MA $74,649

Haydenville, MA $74,558

Holyoke, MA $74,349

Huntington, MA $74,416

Leeds, MA $74,464

Leverett, MA $74,927

Ludlow, MA $74,418

Monson, MA $74,781

North Amherst, MA $74,783

Northampton, MA $74,516

Florence, MA $74,471

North Hatfield, MA $74,615

Oakham, MA $75,552

Palmer, MA $74,869

Plainfield, MA $74,099

Russell, MA $74,612

Shutesbury, MA $75,042

Southampton, MA $74,415

South Barre, MA $75,551

South Hadley, MA $74,436

Southwick, MA $74,597

Thorndike, MA $74,772

Three Rivers, MA $74,670

Wales, MA $75,115

Ware, MA $75,121

Warren, MA $75,241

West Chesterfield, MA $74,315

Westfield, MA $74,439

West Hatfield, MA $74,574

West Springfield, MA $74,286

West Warren, MA $75,130

Whately, MA $74,619

Wheelwright, MA $75,503

Wilbraham, MA $74,454

Williamsburg, MA $74,404

Woronoco, MA $74,537

Worthington, MA $74,162

Springfield, MA $74,278

Longmeadow, MA $74,304

Indian Orchard, MA $74,311

Pittsfield, MA $73,882

Adams, MA $73,805

Ashley Falls, MA $74,798

Becket, MA $74,090

Berkshire, MA $73,875

Cheshire, MA $73,853

Dalton, MA $73,882

Glendale, MA $73,907

Great Barrington, MA $74,382

Hinsdale, MA $73,941

Housatonic, MA $73,918

Lanesboro, MA $73,824

Lee, MA $73,959

Lenox, MA $73,868

Lenox Dale, MA $73,879

Middlefield, MA $74,002

Mill River, MA $74,615

Monterey, MA $74,369

North Adams, MA $73,768

North Egremont, MA $74,296

Otis, MA $74,435

Richmond, MA $73,803

Sandisfield, MA $74,817

Savoy, MA $73,940

Sheffield, MA $74,677

South Egremont, MA $74,532

Southfield, MA $74,853

South Lee, MA $74,025

Stockbridge, MA $73,869

Tyringham, MA $74,175

West Stockbridge, MA $73,819

Williamstown, MA $73,542

Windsor, MA $73,928

Greenfield, MA $74,733

Ashfield, MA $74,280

Athol, MA $75,614

Bernardston, MA $74,862

Buckland, MA $74,286

Charlemont, MA $74,136

Colrain, MA $74,592

Conway, MA $74,542

Deerfield, MA $74,713

Drury, MA $73,985

Erving, MA $75,124

Heath, MA $74,227

Lake Pleasant, MA $74,978

Millers Falls, MA $75,045

Monroe Bridge, MA $73,873

Montague, MA $74,946

Gill, MA $74,987

New Salem, MA $75,253

Northfield, MA $75,037

Orange, MA $75,361

Petersham, MA $75,564

Rowe, MA $74,023

Royalston, MA $75,415

Shelburne Falls, MA $74,508

South Deerfield, MA $74,671

Sunderland, MA $74,853

Turners Falls, MA $74,937

Warwick, MA $75,078

Wendell, MA $75,148

Wendell Depot, MA $75,174

Fitchburg, MA $76,130

Ashburnham, MA $75,897

Ashby, MA $76,112

Ayer, MA $76,790

Devens, MA $76,616

Baldwinville, MA $75,683

East Templeton, MA $75,764

Gardner, MA $75,848

Westminster, MA $75,854

Groton, MA $76,849

Harvard, MA $76,705

Hubbardston, MA $75,776

Leominster, MA $76,146

Littleton, MA $76,978

Lunenburg, MA $76,388

Pepperell, MA $76,836

Shirley, MA $76,605

Still River, MA $76,515

Templeton, MA $75,761

Townsend, MA $76,556

West Groton, MA $76,709

West Townsend, MA $76,379

Winchendon, MA $75,629

Winchendon Springs, MA $75,697

Auburn, MA $75,467

North Dartmouth, MA $75,914

South Dartmouth, MA $75,919

North Attleboro, MA $75,539

Plainville, MA $76,060

Attleboro Falls, MA $75,647

North Dighton, MA $75,812

Norton, MA $76,830

Raynham, MA $77,238

Raynham Center, MA $77,160

Rehoboth, MA $75,037

Rochester, MA $76,097

Seekonk, MA $74,692

Swansea, MA $75,176

Berkley, MA $76,173

Taunton, MA $76,626

Westport, MA $75,889

Westport Point, MA $75,881

Berlin, MA $76,007

Cataumet, MA $76,265

Blackstone, MA $75,713

Boylston, MA $75,592

Brookfield, MA $75,432

Charlton, MA $75,526

Charlton City, MA $75,529

Charlton Depot, MA $75,529

Clinton, MA $75,907

East Brookfield, MA $75,494

Douglas, MA $75,624

East Princeton, MA $75,778

Fiskdale, MA $75,400

Grafton, MA $75,553

Holden, MA $75,482

Holland, MA $75,276

Jefferson, MA $75,547

Lancaster, MA $76,267

Leicester, MA $75,473

Linwood, MA $75,744

Manchaug, MA $75,567

Millbury, MA $75,472

Millville, MA $75,662

New Braintree, MA $75,474

Northborough, MA $75,706

Northbridge, MA $75,720

North Brookfield, MA $75,498

North Grafton, MA $75,508

North Oxford, MA $75,502

North Uxbridge, MA $75,677

Oxford, MA $75,539

Princeton, MA $75,769

Rochdale, MA $75,479

Rutland, MA $75,593

Shrewsbury, MA $75,482

Southbridge, MA $75,511

South Grafton, MA $75,600

South Lancaster, MA $76,088

Spencer, MA $75,499

Sterling, MA $75,865

Sturbridge, MA $75,457

Upton, MA $75,811

Uxbridge, MA $75,700

Webster, MA $75,596

Dudley, MA $75,570

Westborough, MA $75,768

West Boylston, MA $75,561

West Brookfield, MA $75,351

West Millbury, MA $75,480

Whitinsville, MA $75,697

Sutton, MA $75,559

Worcester, MA $75,452

East Walpole, MA $77,815

Cherry Valley, MA $75,461

Paxton, MA $75,485

Framingham, MA $77,212

Village Of Nagog Woods, MA $77,086

Boxborough, MA $76,839

Acton, MA $77,083

Ashland, MA $76,742

Bedford, MA $77,402

Hanscom Afb, MA $77,824

Bolton, MA $76,401

Carlisle, MA $77,163

Concord, MA $77,356

Fayville, MA $76,601

Holliston, MA $76,722

Hopedale, MA $76,082

Hopkinton, MA $76,172

Hudson, MA $76,512

Marlborough, MA $76,387

Maynard, MA $77,059

Mendon, MA $75,945

Milford, MA $76,206

Natick, MA $78,159

Sherborn, MA $77,626

Southborough, MA $76,378

Foxboro, MA $77,198

Franklin, MA $76,373

Greenbush, MA $77,941

Green Harbor, MA $77,521

Hingham, MA $78,451

Hull, MA $79,241

Humarock, MA $77,617

Mansfield, MA $77,082

Marshfield, MA $77,562

Marshfield Hills, MA $77,691

Medfield, MA $77,779

Medway, MA $76,708

Millis, MA $77,279

Minot, MA $77,941

Norfolk, MA $77,055

North Marshfield, MA $77,521

North Scituate, MA $78,073

Norwell, MA $77,863

Norwood, MA $78,259

Ocean Bluff, MA $77,521

Scituate, MA $78,017

Sharon, MA $77,611

Sheldonville, MA $76,388

South Walpole, MA $77,329

Stoughton, MA $77,670

Walpole, MA $77,629

Westwood, MA $78,714

Wrentham, MA $76,375

Boston, MA $80,025

Roxbury, MA $80,020

Roxbury Crossing, MA $80,021

Dorchester, MA $79,998

Dorchester Center, MA $79,941

Mattapan, MA $79,891

Charlestown, MA $80,015

Jamaica Plain, MA $79,986

Roslindale, MA $79,876

West Roxbury, MA $79,759

Allston, MA $80,002

Brighton, MA $79,962

Hyde Park, MA $79,634

Readville, MA $79,587

Cambridge, MA $79,972

Somerville, MA $80,009

Malden, MA $79,852

Everett, MA $79,963

Chelsea, MA $79,973

Revere, MA $79,849

Winthrop, MA $79,919

Medford, MA $79,886

West Medford, MA $79,822

Quincy, MA $79,368

Melrose, MA $79,600

Stoneham, MA $79,234

Braintree, MA $78,532

Milton, MA $79,493

Milton Village, MA $79,751

Weymouth, MA $78,424

East Weymouth, MA $78,511

South Weymouth, MA $77,865

North Weymouth, MA $79,189

East Boston, MA $80,025

Brockton, MA $77,634

Avon, MA $77,669

Bridgewater, MA $77,461

Bryantville, MA $77,518

Carver, MA $76,724

Duxbury, MA $77,307

East Bridgewater, MA $77,607

Easton, MA $77,619

Elmwood, MA $77,573

Halifax, MA $77,446

Hanover, MA $77,701

Hanson, MA $77,556

Holbrook, MA $77,703

Middleboro, MA $76,628

Manomet, MA $76,854

Lakeville, MA $76,400

Monponsett, MA $77,473

Abington, MA $77,672

North Carver, MA $76,944

North Easton, MA $77,634

North Pembroke, MA $77,575

Pembroke, MA $77,541

Plymouth, MA $76,752

Kingston, MA $77,240

South Carver, MA $76,623

Plympton, MA $77,208

Randolph, MA $77,984

Rockland, MA $77,708

South Easton, MA $77,575

West Bridgewater, MA $77,629

White Horse Beach, MA $76,898

Whitman, MA $77,644

Lexington, MA $78,609

Brookline, MA $79,986

Brookline Village, MA $79,996

Waltham, MA $79,090

North Waltham, MA $79,531

New Town, MA $79,778

Babson Park, MA $79,070

Newton, MA $79,842

Newton Center, MA $79,788

Newtonville, MA $79,735

Newton Highlands, MA $79,719

Newton Lower Falls, MA $79,358

Newton Upper Falls, MA $79,627

West Newton, MA $79,607

Auburndale, MA $79,450

Chestnut Hill, MA $79,932

Waban, MA $79,574

Watertown, MA $79,910

Arlington, MA $79,713

Arlington Heights, MA $79,673

Belmont, MA $79,766

Waverley, MA $79,839

Wellesley Hills, MA $79,068

Wellesley, MA $78,785

Needham, MA $79,221

Weston, MA $78,746

Needham Heights, MA $79,497

Nonantum, MA $79,778

Buzzards Bay, MA $76,448

Lincoln, MA $78,133

Stow, MA $76,789

Sudbury, MA $77,410

Wayland, MA $78,064

Woodville, MA $76,113

Woburn, MA $78,523

Burlington, MA $77,805

Andover, MA $76,235

Billerica, MA $77,153

Chelmsford, MA $77,205

Dracut, MA $77,071

Dunstable, MA $77,039

Haverhill, MA $76,163

Georgetown, MA $76,287

Groveland, MA $76,212

Lawrence, MA $76,072

Methuen, MA $76,085

North Andover, MA $76,163

Lowell, MA $77,216

Merrimac, MA $76,125

North Billerica, MA $77,185

North Chelmsford, MA $77,196

North Reading, MA $76,918

Nutting Lake, MA $77,190

Pinehurst, MA $77,276

Reading, MA $77,667

Tewksbury, MA $76,921

Tyngsboro, MA $77,114

Wakefield, MA $78,620

West Boxford, MA $76,302

Westford, MA $77,119

Wilmington, MA $76,988

Winchester, MA $79,392

Lynn, MA $79,292

Saugus, MA $79,393

Swampscott, MA $78,909

Nahant, MA $79,528

Amesbury, MA $76,082

Beverly, MA $77,503

Boxford, MA $76,270

Byfield, MA $76,337

Danvers, MA $77,353

Essex, MA $76,908

Gloucester, MA $76,991

Hamilton, MA $77,057

Hathorne, MA $77,093

Chilmark, MA $76,159

East Falmouth, MA $76,301

East Sandwich, MA $76,625

East Wareham, MA $76,431

Edgartown, MA $76,398

Falmouth, MA $76,193

Woods Hole, MA $76,041

Menemsha, MA $76,187

Monument Beach, MA $76,318

Nantucket, MA $76,834

North Falmouth, MA $76,220

Oak Bluffs, MA $76,321

Onset, MA $76,337

Pocasset, MA $76,290

Sagamore, MA $76,557

Sagamore Beach, MA $76,594

Sandwich, MA $76,566

Siasconset, MA $76,755

Silver Beach, MA $76,186

Vineyard Haven, MA $76,245

Wareham, MA $76,273

West Chop, MA $76,267

West Falmouth, MA $76,172

West Tisbury, MA $76,225

West Wareham, MA $76,240

Hyannis, MA $76,890

Barnstable, MA $76,723

Brewster, MA $76,828

Centerville, MA $76,696

Chatham, MA $76,880

Cotuit, MA $76,542

Ipswich, MA $76,633

Cummaquid, MA $76,746

Lynnfield, MA $77,940

Manchester, MA $77,374

Marblehead, MA $78,286

Middleton, MA $76,756

Newburyport, MA $76,186

Newbury, MA $76,325

Salisbury, MA $76,025

Peabody, MA $78,056

Prides Crossing, MA $77,552

Rockport, MA $76,836

Rowley, MA $76,455

Salem, MA $78,031

South Hamilton, MA $76,933

Topsfield, MA $76,687

Wenham, MA $77,123

West Newbury, MA $76,211

Accord, MA $77,916

Bellingham, MA $76,060

Brant Rock, MA $77,364

Canton, MA $78,033

Cohasset, MA $78,437

Dedham, MA $79,365

Dover, MA $78,380

East Mansfield, MA $77,386

Dennis, MA $76,810

Dennis Port, MA $76,961

East Dennis, MA $76,753

Eastham, MA $76,724

East Orleans, MA $76,439

Forestdale, MA $76,464

Harwich, MA $76,893

Harwich Port, MA $76,929

Hyannis Port, MA $76,748

Marstons Mills, MA $76,611

Mashpee, MA $76,442

North Chatham, MA $76,865

North Eastham, MA $76,723

North Truro, MA $76,589

Orleans, MA $76,792

Osterville, MA $76,620

Provincetown, MA $76,707

South Chatham, MA $76,898

South Dennis, MA $76,898

South Harwich, MA $76,909

South Orleans, MA $76,816

South Wellfleet, MA $76,563

South Yarmouth, MA $76,941

Truro, MA $76,531

Wellfleet, MA $76,622

West Barnstable, MA $76,710

West Chatham, MA $76,892

West Dennis, MA $76,911

West Harwich, MA $76,930

West Hyannisport, MA $76,794

West Yarmouth, MA $76,879

Yarmouth Port, MA $76,843

Assonet, MA $75,984

Attleboro, MA $75,307

Chartley, MA $76,900

Cuttyhunk, MA $76,005

Dartmouth, MA $75,915

Dighton, MA $75,564

East Freetown, MA $76,000

East Taunton, MA $76,572

Fairhaven, MA $75,917

Fall River, MA $75,785

Somerset, MA $75,415

Marion, MA $76,082

Mattapoisett, MA $75,955

New Bedford, MA $75,913

Acushnet, MA $75,939

Certified Debt Specialist Salary by Industry: Top Paying Sectors

For Certified Debt Specialist roles, the industry you choose can affect earning potential by as much as 95% (the gap between the highest and lowest paying industries). Data shows that the Pharmaceuticals and Software & Networking sectors offer the strongest compensation, at 40% above the average. In contrast, Certified Debt Specialist positions in Financial Services or Edu., Gov't. & Nonprofit typically offer lower base pay, as these industries often view Certified Debt Specialist as a support function rather than a direct revenue driver.

The top paying industries for a Certified Debt Specialist

Industry Sector	Average Annual Salary	Average Hourly Rate	Pay vs.Avg
Pharmaceuticals	$109,727	$53.0	40%
Software & Networking	$101,889	$49.0	30%
Biotechnology	$97,970	$47.0	25%
Energy & Utilities	$94,051	$45.0	20%
Healthcare	$90,133	$43.0	15%

Certified Debt Specialist Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Certified Debt Specialist's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

$73,808

Average $78,376/year

$86,845

$6,151

Average $6,531/month

$7,237

$1,419

Average $1,507/week

$1,670

$35

Average $38/hour

$42

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$86,845	$7,237	$1,670	$42
Average	$78,376	$6,531	$1,507	$38
25th Percentile	$73,808	$6,151	$1,419	$35

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ARDMS Certified Sonographer / Ultrasound Imaging Specialist. Boston, MA $87,000 - $109,000 a year. Full Time. Unlocking Opportunities in the Vibrant Heart ... more

3 Days Ago
MLee Healthcare Staffing and Recruiting, Inc | Worcester, MA

ARRT Certified Radiology Technologist Imaging Specialist CT

MLee Healthcare Staffing and Recruiting, Inc | Worcester, MA

ARRT Certified Radiology Technologist / Imaging Specialist / CT. Embark on an Imaging Adventure in Dynamic Worcester, Massachusetts Where History Embraces ... more

5 Days Ago

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Certified Debt Specialist Salary in Massachusetts

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