The term 'consider worthwhile' can be broken down into three crossword solutions: VALUE (5 letters), RATE (4 letters), and PAYS (4 letters). VALUE is the worth of something, usually in terms of money or importance. RATE is the amount of money paid for a service or product, or the speed at which something happens. Pays is the act of giving money in exchange for goods or services. Together, these three words suggest that something should be evaluated for its worth, cost, and benefit before making a decision.