P2P Lending Debacle

For those of you who haven't heard, the P2P Lending sites (with the exception of Lending Club) have been under a cease and desist order for some time.  Normally in my Prosper account, I would have a return of 13.8%.  I typically reinvest the payments I receive when they reach the $50 minimum to bid on a new loan.  However, since Prosper is no longer accepting new loans, my money just sits there not earning interest.  This is cutting into my effective APY.  For this reason, I'm in the process of withdrawing my funds from Prosper.  I haven't decided whether or not I will move them to Lending Club.  With the economy how it is, the risk of default is probably higher.  I think I may just put the money back in savings.