Jamal is an African American student about to complete his college education. He wants to attend graduate school because a master’s degree will help him find a job in his chosen profession. However, he cannot afford the entire cost of the tuition. He decides to take out a bank loan to cover the expense, but the bank rejects his application. The bank officer explains that Jamal lacks property to use as a guarantee that he can pay back the loan. On the other hand, Jamal’s college friend Jimmy, who is Irish American, has no trouble securing a loan to pay for his graduate school tuition. He has inherited a house from his parents and can use this piece of property as a guarantee.Which issue related to economic inequality does this scenario describe?