[guided]We now identify which terms in the determinant expansion can affect the coefficient of $t^{n-1}$. Let $S_n$ denote the symmetric group on $\{1,\dots,n\}$, let $\operatorname{sgn}(\sigma)$ denote the sign of $\sigma \in S_n$, let $\operatorname{id}$ denote the identity permutation of $\{1,\dots,n\}$, and let $\delta_{ij}$ be the Kronecker delta, so $\delta_{ij}=1$ if $i=j$ and $\delta_{ij}=0$ otherwise. The Leibniz formula in the polynomial ring $k[t]$ gives
\begin{align*}\det(tI_n-A)=\sum_{\sigma \in S_n}\operatorname{sgn}(\sigma)\prod_{i=1}^n(t\delta_{i,\sigma(i)}-a_{i,\sigma(i)})\end{align*}
For a fixed permutation $\sigma$, inspect the factor $t\delta_{i,\sigma(i)}-a_{i,\sigma(i)}$. If $\sigma(i)=i$, then $\delta_{i,\sigma(i)}=1$, so the factor is $t-a_{ii}$ and can contribute one power of $t$. If $\sigma(i)\neq i$, then $\delta_{i,\sigma(i)}=0$, so the factor is $-a_{i,\sigma(i)}$ and contributes no power of $t$. Hence the largest possible power of $t$ in the product for $\sigma$ is the number of indices fixed by $\sigma$.
The key point is that a non-identity permutation cannot fix exactly $n-1$ elements. Indeed, if $\sigma$ fixed all elements except possibly one element $r$, then bijectivity forces $\sigma(r)=r$ as well, because all other values are already occupied by the fixed elements. Therefore a non-identity permutation has at most $n-2$ fixed points. Consequently every non-identity permutation contributes only terms of degree at most $n-2$, so no non-identity permutation can contribute to the coefficient of $t^{n-1}$.[/guided]