If that happens to occur, then that's just icing. 

I hear Ice cream cures emotional distress quickly. 

Garnishment is icing on the cake. 

But because you pay based on the loan balance (not because The Joker is sitting behind the scenes selling you poison shaving cream) your first payment includes $618 worth of interest and slowly decreases from there.

The icing on the cake is I will be out of the country for three of the next 4 weeks of reno.  

It didn't turn out so bad for me, free education, promoted from E-1 to O-3 in under ten years, Did I mention I get to drive a 13K ton ship through 20 feet of ice in Antarctica!

Like Inviting Ivory(SW 6372) or Jersey Cream (SW 6379).

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I don't know how long it was before someone noticed the ice around the front door but it was awhile.  

Since there is no foreclosure or eviction, things are on Ice.