How is the credit crisis affecting places like prosper.com ? Would it be smart to borrow/loan money there in an environment like this? With banks seizing up and me having some extra cash, would it be a smart investment to loan money to individuals directly? What about people having a hard time getting a loan from a bank? Is anyone out there using it right now?

Paying for medical school -- which money to use? I'm starting medical school in Canada in September. I've got about $50k in US mutual funds and treasury bills, $15k in a Canadian RSP (which can be used to pay for education if repaid at a certain point), and the banks are offering a line of credit at prime + 1%. The question is: how do I start paying for school and living expenses? Withdraw and use the investments, and then move to the line of credit when they're exhausted? Use the line of credit, and wait for the investments to grow in order to repay the LOC? Are the investments likely to grow in the next few years?