The term 'IS INTO' can be broken down into two crossword solutions: OWES (4 letters) and DIGS (4 letters). OWES is a verb that means to be indebted or obligated to someone else, usually for money. DIGS is a verb that means to search for something by digging or excavating. Together, the two words suggest that someone is actively searching for something they owe, likely in an effort to pay off a debt.