Student loan interest is an adjustment to income that happens prior to your tax being calculated. You can see more information here: Student loan interest
Your home interest, charitable giving, etc are itemizable deductions.
Once you have entered all your itemizable deductions, you choose to take either the standard deduction or itemizing deductions - whichever is greater.
The standard deductions for 2022 are:
Single; Married Filing Separately - $12,950
Married Filing Jointly; Qualifying Widow(er) - $25,900
Head of Household - $19,400
You would have to have itemized deductions greater than the standard deduction for your mortgage interest and charitable contributions to make a difference.
You may benefit from itemizing your deductions on Schedule A if you:
Do not qualify for the standard deduction, or the amount you can claim is limited,
Had large out-of-pocket medical and dental expenses during the year,
Paid interest and taxes on your home,
Made large contributions to qualified charities, or
Have total itemized deductions that are more than the standard deduction to which you otherwise are entitled.
[edited 2.13.2023]
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