Crossword Genius

Is in debt (4)

Ross

I believe the answer is:

'is in debt' is the definition.
(I've seen this before)

This is all the clue.

(Other definitions for owes that I've seen before include "Is in debt to" , "still hasn't paid" , "Has to pay" , "Is indebted to" .)

I've seen this clue in the USA Today, the Penny Press, The Telegraph and the Newsday.
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