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As far as I know you do have to have a kindle device to use the library lending features, but I thought that was with Amazon's lending features, I didn't know that was also the case with public library lending options. But either way if you are trying to download it to K4PC you shouldn't need a usb cable since it is software on the pc. Where did you borrow it from, if a library outside of Amazon, they should have instructions on how to download it to your pc, I think the Amazon rep that you spoke to was referring to Amazon's Prime lending feature, which you do have to have a kindle for.
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