The term 'ONE-ON-ONE BENEFICIARY' can be broken down into two parts: one-on-one and beneficiary. One-on-one refers to a situation in which two people are interacting with each other without any other people present. A beneficiary is someone who receives a benefit from something. In this case, the beneficiary is receiving a one-on-one benefit, which could be anything from tutoring to counseling. The crossword solution for this term is 'TUTEE, ' which is someone who receives tutoring. Therefore, a ONE-ON-ONE BENEFICIARY is someone who is receiving a one-on-one benefit, such as tutoring, from another person.