If you had a memory problem, you would have a lot more things going wrong with your PC.
The first step to improve on-line performance, is to clear out your C:\Windows\Temp folder
and your temporary internet files.
For the temporary internet files, I would use the delete files button on the General page of internet options.
Then, boot into safe mode, and run scandisk and defrag.
Now, the primary reason for slow page loads is internet traffic jams.
These jamups can occour at any pointalong the path between you and the site that you are connecting to.
Some major points that can be the problem are:
At your ISP if they do not have enough bandwidth to support all users at once.
At major juntions along the web should many packets be routed through the junction at the same time.
At the server that hosts the web page. As more users log onto a single site, it takes longer for each user to load pages.
Some sites prepare for this by having a lot of bandwidth themselves. However, even the biggest sites have more users than the bandwidth can support from time to time.
To prove this to yourself, try downloading updates from Microsoft the week after Christmas.
Another thing you can do, is try different times durring the day.
Here in the US, I get my fastest page loads between 2AM and 7AM.
The slowest time period is weeknights between 6PM and 10PM.
I have DSL service, and some pages still take over 30 seconds to begin loading.
Another option is to try a different ISP. You want to try and find out the ratio of Modems to clients, and the total bandwidth that the ISP connects to the internet back-bone with versus the number of clients that are connected at any time.
Chas