I think this will be the last year that I qualify for the student loan interest deduction, and I think I'll be somewhere in the phaseout range, so I want to make sure I'm calculating correctly. To get my MAGI, I take my gross income and deduct pre-tax deductions (401k, and healthcare and dependent care FSAs)...do I deduct anything else? The standard deduction, child credits, etc. aren't included right?