answer both pls!

Question 15 2.34 pts If you choose to take the standard deduction, which of the following can you include on your return (assuming you have a mortgage and children)? Child Tax Credit O Charitable contribution State income tax deduction Mortgage interest deduction D Question 22 Deferment is a period in which: O The repayment of the principal of your loan is temporarily delayed O You have to make interest payment but no principal payment towards your student loan You don't have to make any payment towards your student loan The repayment of the interest of your loan is temporarily delayed