UCSD Pascal, TECO/KED, learning Dibol.... I learned on an 11/23 running RT-11, VT100, dual RL02s (oh, yeah). I never did learn anything serious about the O/S.
Our high school had an ancient PDP-8 we used DEC Basic on.
So for example your code could have an always-resident portion say from 0 to 100000 octal (the lowest half of memory) and an overlay area from 100000 to 140000. We had a program that has an input, calculation and runtime phase so it suited the overlay model; programs that needed all their code in memory at the same time by comparison would not be suited to overlays (especially on 8" floppies, where loading an overlay was accompanied by plenty of mechanical noise).
And you could also use tricks like TSR for simulating multiprocessing.