Final answer:
Redlining is a discriminatory lending practice where lenders refuse to make loans in certain areas, leading to significant divides in educational and financial opportunities.
Step-by-step explanation:
Redlining is the discriminatory lending practice in which lenders refuse to make loans in certain areas. It involves intentionally withholding services or products based on race or other factors. This practice was practiced extensively by banks and other lenders, who refused to issue mortgages or other loans to people from racial or ethnic minorities living in neighborhoods deemed "hazardous" to investment, despite issuing loans to White people with similar economic status. Redlining has had lasting effects, leading to significant divides in educational and financial opportunity in certain neighborhoods or cities.