A state loan has given Atlantic City's Government the chance to come out of crisis. That's according to a credit ratings agency that says that a state loan should give the city the time it needs to draft a five-year plan to try to avoid a state takeover. Moody's credit rating agency says the $73 million dollar state loan is a positive for the city's junk credit rating. The agency said there was a high probability the city would default on its debt in the next few months without the loan. Moody also warned that the city's condition remains dire because of its dependence on the shrinking casino industry, and the planned Trump Taj Mahal closure could further cut the amount of tax money the city collects.