If it is that hard to load my guess is someone took it apart and put it together wrong. I have lots of top loaders and no problems loading them. Take it apart and make sure it is put together right. It is surprisingly easy to screw this up if you aren't paying attention.
If you don't know what right looks like pull up the schematic and owners manual from the Savage web site. It has the manuals there for free download.
https://www.savagearms.com/manuals/
The actual Maual you want should be this one.
https://s3.amazonaws.com/savagefiles..._10_110_le.pdf
INSTALLING THE STOCK
1. For TOP LOAD models, notice the position in
the stock of the magazine, plastic follower
assembly, and magazine retaining clip in
FIGURE 22. Should they become loose and
fall out of the stock [DO NOT REMOVE ON
YOUR OWN!], place the retaining clip into the
side slot of the magazine (see FIGURE 23),
insert the plastic magazine follower assembly
into the magazine, and push the entire
magazine assembly back into the stock as
shown in FIGURE 22.