The crossword solution for the term 'Having Smarts' is SORE, which is an acronym for 'Self-Oriented Realistic Education'. This term was coined by educational theorist and psychologist Abraham Maslow in the 1950s. It refers to a type of education that focuses on the individual's needs and interests, rather than on a predetermined curriculum. SORE emphasizes the importance of self-awareness and self-directed learning, and encourages students to take responsibility for their own learning.