In the steam client right click on gta IV and select property's. Under the local files tab select "verify integrity of game files". See if that makes any difference. What are your pc specs.
If you have V-sync on then turn that off in GTA 4 settings, it has been known to increase load times dramatically and in some instances just lock GTA 4 into a continual loading loop.
What OS are you using? I had a similar issue because steam itself was running in compatability mode on Xp64. I had steam set to 32bit because some games would not update.
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