To have your cake and eat it too, why not just buy 2 to 5 year T-Notes and CDs to give you the flexibility?
If you do buy brokerage CDs make sure they’re non-callable and FDIC-Insured. A callable CD is when the issuer can buyback your CD prior to maturity
Student loans are top line deductions up to $2,500 while mortgages require you to itemize