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(CNN Money) — Many state programs that help small businesses get loans they need to survive or expand are in jeopardy, victims of the economic downturn and state budget gaps. The programs — in dozens of states from Vermont to California — cost relatively little to run, are remarkably successful and create jobs. Massachusetts’ program has been running for 17 years and has made almost 4,300 loans. Indiana kicks in more for loans that will lead to high-paying jobs.

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