The term 'bills to pay' is often used to refer to debts that need to be paid. The crossword solution for this term is 'debts, ' which is a five-letter word. Debts are financial obligations that must be paid back to the lender, usually with interest. Debts can include loans, credit card bills, mortgages, and other forms of borrowing. Paying off debts is an important part of financial responsibility and can help individuals build a strong credit score.