The good news is that I'm getting over $1,000 back on my return. The bad news is that it's not "my" return, because I'm married (that part's not too bad ). My wife and I are home-owners, and itemize our deductions. We refinanced our first mortgage last year, and took out a loan for home improvement. So, we were able to deduct our interest on all loans, our student loan interest, our closing costs, the sales tax on the home improvements, donations, teacher's supplies (including my Eden cabinet, as it was purchased for bass lessons and is therefor directly related to teaching costs), and a few other things.