Intrest Rate increase

http://online.wsj.com/article/SB10001424052970203315804577209532626046436.html?mod=googlenews_wsj
In another sign that the credit freeze is thawing, the Federal Reserve said Americans ramped up their borrowing at the end of 2011.
Household borrowing through credit cards, car loans, student loans and other installment debt—which excludes mortgages—rose at a seasonally adjusted 9.3% annual rate in December, following a 9.9% rise in November, the Fed said Tuesday. That was the biggest two-month surge since late 2001, when auto makers rolled out zero-percent financing after the Sept. 11 terrorist attacks.
The most recent gains largely reflect more student loans, which at least one economist said could be a sign of financial ...