It is impossible for anything with mass to travel at light speed. Even if it were possible, entities traveling at light speed (1) do not experience time, at least not in the way that a sub-lightspeed entity does, and (2) are effectively unable to communicate with sub-lightspeed entities. In fact, the only thing they can "communicate" with is the thing they're going to collide with due to relativistic beaming.

So given the above: if you imagine that you were traveling at light speed toward a black hole, you'd have to think of it as experiencing your whole existence simultaneously. Your creation, crossing the event horizon, being stretched by tidal forces, and collision/absorption into whatever exists inside the sphere... all happens at once.