Or, that is what I do, for SP:
In the main menu go to options, choose plane.
Set the side, airforce and such on the right side of the panel, click on the top left where it says your airplane type to choose the airplane you want to load out.
Go to the loadoutscreen and there you can change things. Try out what happens if you choose add/insert for a chosen ammo type on the right side of the screen. You can set your convergence as well. You will do each gun at a time, just click next/previous gun.
I usually then choose "save as" and enter an appropriate name for the loadout. The created/chosen loadout will be your loadout for SP missions until you go back to this screen and choose a different one. Unfortunately you cannot at this time choose from different created loadouts just before you click "fly" in a SP mission.
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