Lynn,
There is one Margaret KELLY in Cleator in 1861 about the right age (22) - a little older than expected, though it has been known to happen...
There is also a lodger the same age called Hugh MCANALLEY - could be significant...
RG9/3951 / folio 9 / page 11 / sched 36 / Cleator Village
Margaret Kelly / Head / W / 49 / / Ireland
Margaret do / Daur / Un / 22 / Flax Mill Hand / do
Bernard do / Son / Un / 18 / Iron Ore Miner / do
Elizabeth do / Daur / Un / 16 / Flax Mill Hand / do
Agnes do / Daur / Un / 11 / do / do
Robert do / Son / Un / 9 / do / Cumberland Cleator
Elizabeth McCarter / Lodger / Un / 19 / do / Ireland
Hugh McAnalley / do / Un / 22 / Iron Ore Miner / do
John Fitzpatrick / do / Un / 21 / Mason Labourer / do
I'm having trouble finding a matching James SLOANE, though - and I can't find the 1871 entry you mention - do you have the reference for this so I can use the info for 1861 search?
Regards
Steve