If you have access to a bed, you have a potential lightproof area to load film.
To do this, be sure that the bed has a good number of covers on it, ones that will likely help it to be lightproof.
Then dive under the covers head first, with your head down to where your feet would normally be. Get as far under there as you can. Curl up into a fetal position, bracing yourself on the appropriate elbow. This will help to create a work space in front of you. Gather the covers around you (but not too tightly), so as to create a “seal.” Wait a few minutes, until your eyes adjust to the lack of light; look slowly all aound you to be sure that there is no light sneaking in anywhere. You WILL see it if it’s there, just be patient. This will give you an idea as to whether or not you can use this technique. If you find that you don’t see any light you have to go out and get your film, tank, scissors, etc.
DO NOT forget your tank lid, as you will be in trouble if you do.
Gather your stuff, dive back under the covers, and wait to see if there is any light. If not, go for it with your film.
I have used this trick many times over the years, even in a brightly lit room, and have not fogged any film doing so. You just must make sure that you have enough covers to create a dark space. For added insurance, you could use this technique at night.
Happy loading, developing, and napping!