I enjoy studying QM, but my knowledge of black holes is basically limited to the high school explanations as depicted below. As a body approaches the event horizon the gravitational forces on that body accelerate it to a velocity approaching c. The math implies that mass crossing the event horizon is actually moving faster than the speed of light. This is expressly forbidden by special relativity, but I had always assumed that general relativity somehow provided the answer via curved space-time that allowed such speeds to be obtained "in appearance only"...or something. After reading a couple of (non grad-level) books on GR, the problem has not been resolved for me. Sticking strictly to my SR knowledge, my interpretation of black holes has been that they never actually form; as matter begins its collapse from a neutron star, for example, that matter becomes "frozen in time" as its velocity approaches c. I'm pretty sure the SR time dilation math shows that the "outside world" clocks move to infinity during a black hole's formation, yet we seem to readily postulate that black holes currently exist... Can someone that understands black holes please explain?