Average Debt Adviser Salary in Cook Islands for 2026

In this article, we will look at the average Debt Adviser salary for 2026 in Cook Islands and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!

The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.

All salary information is in the local currency, which is the New Zealand dollar. To keep things simple, we are using the NZD currency code instead of the currency symbol $.

How Much Does a Debt Adviser Make in Cook Islands?

A Debt Adviser working in Cook Islands will typically earn around 64,040 NZD per year, and this can range from the lowest average salary of about 28,900 NZD to the highest average salary of 97,900 NZD.

These are average salaries for a Debt Adviser in Cook Islands and include benefits such as housing and transport. It's also possible for a Debt Adviser to earn more or less than the average salaries shown above.

Debt Adviser salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.

Distribution of Debt Adviser Salaries in Cook Islands

So we've looked at the average salaries a Debt Adviser will earn in Cook Islands. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that a Debt Adviser can earn between 28,900 NZD and 97,900 NZD on average in Cook Islands. This is known as the range in statistics.

The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.

Median salary

The median salary for a Debt Adviser in Cook Islands is 66,180 NZD. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 66,180 NZD, and 50% of the population earn more than 66,180 NZD.

If you are earning more than the median salary, that's a good indicator that you are being paid well.

If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).

Percentiles

Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.

For the average Debt Adviser salary in Cook Islands, 25% of the population are earning less than 44,140 NZD while 75% of the population earn more than 44,140 NZD.

75% of the population earn less than 89,460 NZD, and 25% of the population earn more than 89,460 NZD.

Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.

Debt Adviser Salary by Experience Level in Cook Islands

The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.

We have researched the average Debt Adviser salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.

• 0 - 2 Years Experience. A Debt Adviser in Cook Islands that has less than two years of experience can expect to earn somewhere in the region of 33,960 NZD.
• 2 - 5 Years Experience. With two to five years of experience the average Debt Adviser salary would increase to 43,080 NZD.
• 5 - 10 Years Experience. From five to ten years of experience as a Debt Adviser, the average salary would be 62,860 NZD.
• 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 78,620 NZD.
• 15 - 20 Years Experience. A Debt Adviser with 15 to 20 years of experience can earn an average of 83,900 NZD.
• 20+ Years Experience. For a Debt Adviser with more than 20 years, the expected average salary increases to 93,280 NZD.

Average Salary by Experience Chart

Debt Adviser Salary by Education Level in Cook Islands

As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?

In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.

The salary you can earn based on your education is very specific to both your location and the career path you choose.

In our research, we looked at the average salary for a Debt Adviser in Cook Islands based on the education level of the employees in order to find out whether a better education level would increase your salary.

• Certificate or Diploma. A Debt Adviser in Cook Islands with a certificate or diploma education can earn an average salary of 35,420 NZD.
• Bachelor's Degree. A Debt Adviser in Cook Islands with a bachelor's degree education can earn an average salary of 58,860 NZD.
• Master's Degree. A Debt Adviser in Cook Islands with a master's degree education can earn an average salary of 99,560 NZD.

Average Salary by Education Chart

Debt Adviser Salary Compared by Gender

In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.

In Cook Islands, a male debt adviser will earn an average of 68,360 NZD, while a female debt adviser will earn around 55,820 NZD.

This means that a male debt adviser earns approximately 22% more than a female debt adviser for performing the same job.

Average Salary by Gender Chart in Cook Islands

Debt Adviser Average Pay Raise in Cook Islands

In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.

From our research, we can see that the average pay raise for a Debt Adviser in Cook Islands is around 7% every 29 months.

The national average pay raise across all professions and industries in Cook Islands is around 4% every 29 months.

In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.

To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:

Annual Increase = ( Increase Rate ÷ Months ) × 12

So for this example, it would be:

Annual Increase = ( 7 ÷ 29 ) × 12  = 3%

What this means is that a Debt Adviser in Cook Islands can expect to receive an average pay raise of around 3% every 12 months.

Annual Pay Raise by Industry in Cook Islands for 2026

In the chart below, you can see the average annual pay raise percentages for each of the major industries in Cook Islands.

You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.

Debt Adviser Bonus and Incentive Rates in Cook Islands

Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.

Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.

A Debt Adviser is a moderate bonus based job, with 66% of employees reporting at least one bonus in the last 12 months.

34% reported that they had not received any bonuses in the previous 12 months.

For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 5% to 9%.

Government vs Private Sector Salaries

Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.

Public sector employees in Cook Islands earn approximately 15% more than private sector employees in the same role.

Salaries for Jobs Similar to a Debt Adviser

In the table below, we have salary information for jobs that are similar to a Debt Adviser in Cook Islands.