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College decision tools: Using College Xoice to make a great college decision.

This is our first vidcast for college decision month. This is the time of year when high school juniors and seniors are getting serious about college decision-making. In this first talk – we will discuss the college decision tool called College Xoice. I helped research and develop this technology, so I am very happy to share some of its amazing capabilities. Mostly, my hope is the students, and their families make use of this app to make great college decisions.

About the author:  Jeff Hulett is a career banker, data scientist, behavioral economist, and choice architect. Jeff has held banking and consulting leadership roles at Wells Fargo, Citibank, KPMG, and IBM. Today, Jeff is an executive with the Definitive Companies. He teaches personal finance at James Madison University and provides personal finance seminars. Check out his new book -- Making Choices, Making Money: Your Guide to Making Confident Financial Decisions -- at

Let’s start with a College Xoice and decision-making primer.

When it comes to important decisions, we want to act quickly, accurately and with confidence.    This is known as Decision A-C-T

We start with A for Acceleration.


Decisions need to happen quickly and fitting the timing cadence needs.  Sometimes new information needs to be quickly integrated and decisioned.  The great thing about a consistent repeatable process is that, once it is routinized, it moves very quickly.

Next, the C leads us to Confidence-inspiration. 

The process causes people to be more confident in the decision, increasing buy-in, decision up-take and action.  It is the process itself that causes people to feel confident. 

Finally, the T in Decision A-C-T provides for Transparency-enablement.  

The process provides reporting and artifacts, leaving complete decision reasoning and outcome records.  Reporting provides analysis and decision direction.

Plus, this makes it easier for members of the decision team to work together.  People like your Mom, Dad, School Counselor or any other responsible helper.


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