Data-driven servicing, technology, and consulting.

Cohort Insight (CI)

Cs' federal student loan data aggregation and reporting platform synthesizes multiple cohort data sources and provides schools with immediate self-service access to understandable and usable views of CDRs, borrower profiles, and outreach activities and results.

Student Loan Cohort Management

This full-service solution allows schools to place either entire cohorts or specific borrower segments with Cs for active management of outreach efforts, which includes outreach development and oversight of all letter, call, email and text activities through Cs’ cohort outreach providers.

Back-up Servicing

Back-up servicing solutions deliver comprehensive and cost effective risk mitigation against primary servicer default. Cs’ cold, warm, and successor back-up servicing solutions are tailored to provide the flexibility and redundancy required in any form of servicer transfer agreement.

Platform and Portfolio Evaluation & Marketing

Design and execution of underwriting engagements to assist in pre-acquisition due diligence, valuing new and existing portfolios, or actively marketing assets for sale.

Operational Assessment & Improvement

On-site reviews of outreach service providers and preparation of custom assessment reports that deliver actionable recommendations for improvement. The Cs operations team assists clients in implementing suggested performance enhancements by designing treatment strategies, creating testing frameworks and, ultimately, evaluating treatment options based on sample or production data.

Kristofer T. Lyon

Kris is the founder and CEO of Carmel Solutions having started the company in 2009 to address the analytic and operational needs of financial services and higher education clients.

Prior to establishing Carmel Solutions, Kris was an officer of Sallie Mae with dual responsibilities for M&A and distressed asset management. Before SLM, Kris held the position of AVP of Finance at Wells Fargo managing the reporting, analytics, pricing, and profitability of private student lending for the bank. Earlier in his career, Kris worked in international development focusing on the financial management of public health programs in Turkey, South Asia, and the Central Asian Republics.

Kris is a CPA with an MBA from The Johns Hopkins University and an undergraduate degree in Political Science from Frostburg State University, a small campus in the University of Maryland System.

Matthew W. Marietta

Matt is the Chief Operating Officer of Carmel Solutions.  Prior to joining Cs Matt held key positions with some of the largest and most influential organizations in the technology and higher education industries.

Matt was the Vice President of Finance with Premiere Credit of North America, a servicer for the US Department of Education. While at Premiere, Matt directed the finance, accounting, client services, and analytics divisions. Before Premiere, Matt was a Director within ITT Educational Services’ technology division, where he managed strategic initiatives aimed at advancing the college’s business intelligence infrastructure.  Earlier in his career, as an officer with Sallie Mae, Matt was responsible for the analytics and servicing of Sallie Mae’s non-performing private student loan portfolio; prior to his time with Sallie Mae, Matt was as a consultant within IBM’s Global Services division.

Matt holds an MBA, Finance Concentration, from the Kelley School of Business, Indiana University, and a BA in English Literature with minors in Computer Science and Philosophy from Butler University.