Final answer:
In psychology, a schema is best described as a mental framework for organizing information, which allows for efficient processing and interpretation of new experiences.
Step-by-step explanation:
A schema in the context of psychology refers to a mental framework for organizing information. Schemata are not highly detailed and vivid memories, not consciously accessible memories, and not subconscious memories that influence behavior without awareness. Instead, they are conceptual frameworks that help individuals to interpret and process vast amounts of information efficiently.
When encountering new experiences or information, these schemata help the brain to make immediate assumptions and predictions based on previously learned information and organized patterns of thought and behavior. Therefore, a schema can be best described as 'b) Mental framework for organizing information.'