https://ruger-docs.s3.amazonaws.com/_manuals/1022.pdf
Page 19
here is a summary with step 6 rewritten hopefully to clear up the original misconception
1) Point muzzle in safe dirrection
2) Pull bolt back, engage lock, verify chamber clear and safety on
3) remove magazine
4) load magazine
5) insert magazine
6) Pull bolt full back to release the lock. release the bolt and a round will load
7) the rifle is now loaded
the "lock" is shown on page 7 lower section of figure 1. It must be manually manipulated to lock the bolt. It takes a little getting use to so I would suggest trying till it becomes easy with NO AMMO
To lock the bolt back, use trigger finger to squeeze the locking lever (sort of like pulling the trigger) and hold. Pull the bolt back and release bolt and it should now be locked open. remove finger from locking lever.
to release the bolt, slap the bolt's charging handle hard back and immediatly lift hand to let the bolt go foward without being touched. the bolt going back just a little should drop out the lock
given the magazine holds 10, once the rifle is loaded as per above, there will be 9 in the mag and 1 in the chamber. You can now remove the mag, toppin it off to add 1 so you will have 11 ready to fire.
While page 21 provides instructions for loading without a magazine. I would not recomend doing that as with the round in the chamber, the slamming closed bolt by cause the round to fire. when I load single rounds for training, I use a magazine to load from