The term 'put off paying' can be summarized as owing money and delaying payment. The crossword solutions for this term are 'owe' (3 letters) and 'ranatab' (7 letters). Owe is a verb meaning to be indebted or obligated to pay someone or something, while ranatab is an archaic term meaning to delay payment of a debt. Therefore, the two words together can be interpreted as delaying payment of a debt that is owed.