WASHINGTON – Roughly $1 of every $5 in loans the Small Business Administration directly made to companies hurt by the Sept. 11 attacks has fallen into default, leaving the government with an uphill effort to recover millions of dollars in taxpayer money.

The agency is just now learning about the magnitude of businesses that went under or stopped making payments. Its Sept. 11 direct disaster loan program often gave recipients two years before their first payments were due, according to documents reviewed by The Associated Press.

The SBA directly lent $1.2 billion to more than 10,000 companies that made specific arguments about how their businesses were hurt by the suicide hijackings in 2001 that destroyed the World Trade Center in New York and damaged the Pentagon in suburban Washington. A plane bound for Washington crashed in rural Pennsylvania.

Of that amount, $245 million is in default, the records show. The SBA investigators consider a loan in default if it has been charged off or liquidated or is more than 60 days delinquent.

SBA officials say they have written off less than $10 million of the default total and will make strong efforts to recover much of the rest of the money by collecting collateral, negotiating settlements with borrowers, or bringing delinquent loans up to date.

The $245 million “does not represent the actual loss to the government, which, because of settlements and recoveries on collateral, will be less than this amount,” SBA spokesman Michael Stamler said.

Among the loans already written off, taxpayers are picking up the tab for a $992,000 loan made to an Atlanta hotel; $986,000 to a Florida boat dealer; $620,000 to a Maine broccoli farm; and $38,900 to a Lubbock, Texas, computer store.

Even some who are making their payments are concerned about their recovery.

“Business just isn’t doing as well as it was in the past,” said Winnie Mou, owner of Manhattan Travel Inc., located about a mile from the World Trade Center site. Her company began paying back its $11,600 loan last year.