Purpose: This study aims to investigate the effects of several individual elements vis-a-vis the environment that affects students' choice of a career. The study assesses the effects of cognitive-person factors on the career decision-making of tertiary students and analyses how chance events moderate these relationships. Design/methodology/approach: The study used the survey research design to gather data from 302 final-year tertiary students from four (4) Faculties and sixteen (16) academic departments of a Technical University in Ghana. Data were collected through self-administered questionnaires and analysed using the partial least square structural equation modelling (PLS-SEM). Findings: The study reveals that students' self-efficacy and outcome expectations are two cognitive-person factors that positively and significantly influence students' career choices. However, chance events of tertiary students were found not to moderate the relationship between cognitive-person factors and students' career choices. Practical implications: Understanding how several cognitive-person factors influence the career choice of students through the lens of social career-cognitive theory could enable researchers to advance knowledge in the career choice process. Counselors and guidance coordinators need to motivate and encourage career/job exploration and development by identifying sources of psychosocial support available to students. Originality/value: This study identifies the cognitive person factors that drive career decisions and provides one of the initial attempts to investigate how chance events moderate students' cognitive-person career choice relationship.