The term 'TOWEL OFF' is a phrase used to describe the process of drying oneself off after a shower or bath. The two crossword solutions for this term are WIPE (4 letters) and DRY (3 letters). WIPE refers to the act of using a towel to remove moisture from the body, while DRY refers to the act of using a towel to absorb the remaining moisture. Together, these two words form the phrase 'towel off, ' which is used to describe the process of drying oneself off after a shower or bath.