What a great time to borrow money. I've never seen banks so eager to lend in my entire 20+ year banking career. Things won't always be this way. In a few years, there will be a recession and the banks will see higher credit losses and will increase credit standards and relative pricing to reduce their exposure to marginal credits.
So Congress will hold hearings. In one hearing room, say in the House, they'll talk about why credit losses are up and what were the banks thinking back in 2006 anyway! In another, say in the Senate, they'll hold a hearing to discuss why banks won't make loans any more. After all, "my constituents are good credit risks" each Senator will say. Trust me on this, I've been there.
So, take advantage of the market while you can. Just remember, the credit loss they may be talking about in Congress, could be about this great little business backed by some smart VC's who had the brightest prospects--before the recession started.