I agree with nationalparker. You need to start slowly and keep challenging yourself, but don't rush it.
Also, you should understand that each treadmill brand is probably different. For example, my treadmill has 10 incline levels but I don't know to what % the highest incline level equals to. Some treadmill have half settings, e.g. the incline can go from 2 to 2.5 to 3 to 3.5 etc.
When I start my treadmill, I immediately switch it to 3 mph (because I have a 3 mph button, so it's easier than just increasing by 0.1 mph) just to get started. I consider 3 mph a snail speed so I keep increasing. I usually start my routine by going to about 3.6 mph and at that speed, I start increasing the incline. I am on each incline level for 60 seconds, and then I go back in the same order (e.g from 10 to 9, then to 8 etc.).
I don't go to lower incline setting than 3, I keep that for jogging, too, but it took me a while to get used to it.
I am capable of keeping up at the speed of 4.6 mph, so I do fast walk at that speed for a level and then I hit a higher speed and I speed jogging.
Again, this takes time. Also, I am taller than you so I guess I have longer legs.
Also, the programs probably vary from one treadmill to another , so I don't really know what your "weighloss program 1". (You don't have to explain, I am just saying this FYI).
Good luck and enjoy your treadmill. I would have been able to lose weight without it. I love mine. :-)