“Redlining” was a legal practice from 1932 to 1964. It directly affected minorities living conditions and housing options. Today, among other factors such as the wage gap and the pricey cost of higher education, redlining continues to affect people of color and other minorities.

During the 1930s, the Federal Housing Administration and the Home Owners Loan Corporation worked together to finance over $120 billion dollars worth of housing. However, they did not make this housing available to minorities. They would purposefully exclude minorities, and even went as far as to mark on a map of where the majority of colored people were, so that way the would not finance homes in that area.

This affects people to this day, as homeowners in the redlined areas have a harder time financing their homes, due to the area being poorer than the surrounding communities. This in turn brings down the value of the entire neighborhood. In these redlined areas, the houses also tend to be more decrepit, and the cost of repairs become more expensive.

However, redlining isn’t the only reason minorities are having a hard time. A study done by the Survey of Consumer Finances shows that there is a wage gap between minorities and their white counterparts. The wage gap refers to the phenomenon where one person gets paid less than another due to prejudice rather than skill or adequacy.

With this gap in pay, it makes it a lot harder to attend college in hopes of a higher education. With the price of tuition on the rise, it’s becoming harder and harder for poor people to climb out of their predicament.

Redlining, coupled with the wage gap and pricey education, makes it extremely hard for minorities to pull out of this poor crisis. Solving this issue would not happen quickly, and there are more factors that go into poverty than most people realize, but a good place to start would be to make education more affordable. Also, encouraging affordable houses in nicer areas, and fixing up less desirable areas would be a great place to start.