I added some comments to my last post.

The credit market will free up when people start going back to work and the housing market stabilizes which it will all on it's own. It always has. People will go back to work when business has more capitol and aren't running scared with the prospect of higher taxes which of course Obama promised them. Maybe they wouldn't need so many loans if the government wasn't taxing them and regulating them to death?

You keep going full circle that the government is the only solution to this.