Crossword Genius

Need to repay (3)

Ross

I believe the answer is:

owe

'need to repay' is the definition.
(I've seen this in another clue)

This is all the clue.

(Other definitions for owe that I've seen before include "Be in the red" , "Are debtors" , "Have a duty to pay" , "Be indebted" , "Bear" .)

I've seen this clue in the USA Today, The Wall Street Journal and the LA Times.
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