The term 'Takes a Toll' can be summarized by two crossword solutions: PEALS and WEARS. PEALS is an acronym for 'Public Education and Leadership Services, ' which is a nonprofit organization that provides educational resources to students in need. WEARS is an acronym for 'Workplace Education and Resource Services, ' which is a program that helps employees develop their skills and knowledge in order to advance their careers. Both of these organizations provide valuable services to those in need, but they also take a toll on the people who use them, as they require time and effort to make use of them.