The term 'is obligated' can be expressed in three different ways in a crossword puzzle. The first is 'owes, ' which means to have a debt or duty to pay back or fulfill. The second is 'hasto, ' which means to be required or compelled to do something. The third is 'NEEDS, ' which means to require something for a particular purpose. All three words indicate that someone is obligated to do something, whether it is to pay back a debt, fulfill a duty, or require something for a particular purpose.