Hmm, looking for another link I found this though

It's a older version but read it carefully.

"Black Holes

So what happens when the distortion becomes really massive? One idea is that we get a black hole. First I will cover the general idea of a black hole, then discuss some of the issues involved.

In the collapse of a star more than 15 times the size of our sun, the theory is that the gravitational collapse cannot ever stop. First the atoms collapse to nuclear size, then the nuclei themselves collapse without limit under the extreme gravity, compressing the star to a point. Unlike neutron stars there may be no explosion that blasts part of the star out into space after the initial collapse - the collapse is one-way only, especially if the angular momentum is low.

Take two observers - ‘A’ who stays far from the black hole and ‘B’ who travels from ‘A’’s position into the black hole; both carry clocks that the other can see.

As ‘B’ leaves ‘A’ he travels in free-fall towards the black hole. As he does so ‘A’ perceives ’B’’s clock to be slowing down drastically, and his rate of acceleration into the block hole seems to be less than it should be. For ‘B’, however, his time is unaffected and he falls as he would expect. This time dilation increases as ‘B’ gets closer to the black hole.

Behind him ‘B’ sees a picture of the universe behind him that distorts more and more as he falls. At first he sees simply what is behind him, but the gravitational lensing causes him to see more and more of the universe round the black hole until at a radius 3.G.M/c2 the whole of the universe around the black hole is visible behind him (where G is the gravitational constant and M is the mass of the black hole). This is the photon sphere, where photons can orbit around the black hole. Beyond this point the view behind him closes up into a cone surrounded by light that has come up from below him and been lensed back down. The view is similar to that of an underwater swimmer looking up at the surface - he sees a cone that compresses everything visible above the surface, surrounded by reflections of what is under the water.

He continues until at a certain point the time dilation as seen by ‘A’ becomes infinite. At this point ‘A’ sees that ‘B’ has stopped dead - he hangs forever at this point, stuck in frozen time till the end of the universe. ‘B’’s perception is that he is still accelerating into the black hole and there is nothing abnormal about his fall.

This point, where ‘B’’s time is infinitely dilated, is an event horizon termed the Schwartzchild radius. It exists at this point only for a remote observer such as ‘A’. As you approach the black hole the event horizon moves ahead of you, so that for ‘B’ there is a different event horizon ahead of him, where someone further into the black hole than he will experience infinite time dilation relative to ‘B’’s time - or the “square of infinite” time dilation relative to ‘A’’s time. There is however only one Schwartzchild radius - the outermost event horizon - and this occurs at 2.G.M/c2. For a star with just two solar masses left after collapse the Schwartzchild radius is about 6km and the photon sphere radius is about 9km.

Let us continue ‘B’’s journey to the centre of the black hole. He falls normally, according to his own perception, even though with respect to the outside world of ‘A’ he ultimately has many powers of infinity of time dilation. Finally reaching the centre the gravitational field is so high that nothing stops the collapse into a single point, and ‘B’ is swept into it. At this point the mass density reaches infinity, causing the gravitational field equations to have a mathematical singularity at this point - that is, they have no solution. So the laws of space and time do not apply.

As ‘B’ falls into the black hole his mass and charge are simply added to the black hole. Mass and charge are simply added to the black hole. So if the sun suddenly collapsed into a black hole the gravitational field at Earth’s orbit would be unaffected and Earth would continue in its normal orbit without perturbation.

Anything wrong with this picture? Well, there have been a great deal of massive stars in the lifetime of the universe, and so far we have not detected one despite looking hard. We should see them by radiation from infalling cosmic gas and dust. So maybe black holes do not exist.

What arguments are there against the existence of black holes? The first and most obvious is that spatial dilation has not been allowed for in the above argument, and it thereby violates energy conservation laws. Let us review the above fall of ‘B’ into the region of the black hole.

As ‘B’ falls into the black hole ‘A’ perceives that he shrinks in size. ‘B’ on the other hand sees ‘A’ grow in size together with the outer universe. As ‘B’ free-falls into the gravitational field he exchanges mass for kinetic energy, so that at the Schwartzchild radius, where spatial dilation is infinite, he has become of negligible size and virtually all his mass has been exchanged for kinetic energy. ‘A’ perceives him to have zero mass and his kinetic energy is m0.c2, where ‘m0’ was his starting mass in the greater universe, so his ratio of kinetic energy to mass is infinite. ‘B’ perceives himself to have the same mass as he started with, but he has picked up an infinite kinetic energy, so again his ratio of kinetic energy to mass is infinite. With this ratio he can travel at only one speed - light speed. He travels with the photons across the Schwartzchild radius.

His kinetic energy does not contribute to the gravitational field, since that is reference-frame dependent. Only his mass can. As far as ‘A’ is concerned he contributes zero mass to the black hole. By extension, nothing inside the Schwartzchild radius can contribute any mass or charge to the black hole - all its energy is kinetic - and hence the event horizon cannot form - it is self-limiting by the spatial dilation. Hence there is no singularity.

Another factor that affects the formation of the singularity is that at the putative event horizon ‘B’ is infinitely dilated, but the event horizon is finite. Hence ‘B’ perceives that the space he is entering has expanded dramatically - black holes are infinite on the inside. At the event horizon he perceives the radius to have become infinite, although in reality it is he whose size has become negligible.

Truly massive stars may therefore collapse like neutron stars, with the piledriving pulse of the collapse converting mass into kinetic energy in a violently-dilated space. The resulting rebound explosion blasts all but a small remnant out into space. The gravitational field turns much of the remnant’s mass into kinetic energy which fuels the explosion, and so is lost to the star forever. And so it can be seen that massive suns create energy in the following sequence:-

Fuse hydrogen into helium - 0.72% efficient

Fuse helium and hydrogen into heavier elements up to iron - 0.2% efficient

Convert mass into kinetic energy in gravitational collapse - 5.0 % or more

For massive suns the last is the most efficient, give by far the highest ratio of energy output to total mass involved. Since the collapse is so fast, taking less than a second, the resulting release of energy is incredible. This energy output is greater than all the energy produced in the previous life of the star.

There are other arguments against singularities:-

Relativity Theory uses the simplifying assumption that all masses are points. Since a point mass is itself a singularity the black-hole singularity is inevitable. But Quantum Theory shows that the position of a particle is associated with a probability distribution. Clearly if the position of a particle is indeterminate the singularity cannot form since it requires a point of zero dimensions with no indeterminacy. “Quantum Relativity” attempts to address this issue. An associated argument is that for the same reason a particle’s positional probability distribution can lie across the event horizon and so a black hole will slowly “leak” particles and thereby evaporate. The counter argument is that if a black hole can form the particle becomes embedded in an infinite space inside an event horizon, and its probability distribution cannot extend beyond infinity.

The time taken to form the singularity (again according to ‘A’) would be infinity to a high power so cannot happen in a real limited universe. We could of course take the role of ‘B’ or some deeper observer to make it more possible, but that would be in a purely theoretical daughter universe that is forever closed to us by infinite time."

As for what is the real 'reality' in such a description? it all depends on where you stand, as I see it?

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from

Extreme Gravity And this is about a non rotating black hole I better add.