Title: Redlining: How it Continues to Affect Education Today – Activism, Meet Impact | Novel Hand
Headings: Redlining: How it Continues to Affect Education Today
Redlining: How it Continues to Affect Education Today
What is Redlining?
Does Redlining Still Exist Today?
Housing Policy is Education Policy
Why This Matters
Kelly

Content: Redlining is a practice where banks in the United States would deny mortgages to people to prevent them from buying a home in certain neighborhoods, based mainly off of their race, even if they had the right credit score to make them eligible for the loan. This practice was enforced from various agents, the banks, real estate firms, other mortgage lenders, and was even backed by the federal government which deemed it as “best practices for responsible lending.” Maps were literally outlined with red to separate wealthier neighborhoods that were more desirable to live in. Mapping Inequality: Redlining in New Deal America https://dsl.richmond.edu/panorama/redlining/#loc=0/41.179/-105.293&text=downloads
Does Redlining Still Exist Today? Redlining began in the 1930s following the Great Depression to mitigate mortgage risks, but today it is technically illegal. However, the effects it has had on the geography of many cities are still felt and in some cases it is arguably still practiced. Even without official policies in place, many redlined neighborhoods from the twentieth century still reflect the way these cities look today. Concentrated in urban areas, these areas have a higher concentration of minority residents, lower average household incomes, and rents that are lower in objective cost but higher in percentage of renter’s income. Housing Policy is Education Policy
One of the most promising pathways to building a better life and future for oneself is through education.