According to our current understanding of general relativity and black hole physics, for an external observer, a test mass falling into a black hole will appear to take an infinite amount of time to reach the singularity. This phenomenon is known as "gravitational time dilation."
As an object falls into a black hole, the gravitational field near the black hole becomes increasingly intense. This gravitational field affects the flow of time, causing it to slow down from the perspective of an external observer. As the falling object approaches the event horizon, time dilation becomes more extreme. In fact, the time dilation becomes so significant that, from the perspective of the external observer, it appears to take an infinite amount of time for the falling object to reach the singularity.
However, from the perspective of the infalling object itself, time would appear to pass normally. The object would eventually reach the singularity within its own frame of reference, but this event would be hidden from the external observer.
It's worth mentioning that this scenario assumes a non-rotating, non-charged black hole in a classical context. Quantum effects, such as Hawking radiation, are not taken into account in this description. The concept of black hole evaporation, as proposed by Stephen Hawking, involves quantum mechanical processes and introduces additional complexities to the understanding of black hole dynamics.