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Employment rates across the nation are expected to reach record lows this summer, as the recession keeps many high school and college students stuck without their usual minimum-wage summer job. Last year in Massachusetts the teen employment rate was at 38%, this year experts predict it could go as low as 30%. Although many large companies are continuing to hire teen workers, small and medium-sized businesses have felt forced to cut back summer hires or minimum wage positions, to save money or full-time employees. In many cases, such minimum-pay jobs are even being sought by adults, who have lost their jobs, or taken a pay cut, and are desperate to earn more. In Massachusetts, and several other states, federally-backed municipal or non-profit jobs might be teens? best bets, though even these too are more scarce this summer than usual.