The term 'has an obligation to' can be summarized by two crossword solutions: 'owes' and 'SHOULD'. 'Owes' is a four-letter word that means to be under a legal or moral duty to pay or repay something, usually money. 'SHOULD' is a six-letter word that expresses an obligation, duty, or correctness, typically when giving advice or expressing a preference. Together, these two words indicate that someone has a responsibility to do something.