| 100% | BUMRAP | 6 | Charge you shouldn't have to pay for |
| 64% | FREEGIFT | 8 | Something you don't have to pay for, redundantly |
| 63% | FREE | 4 | Something that you didn't have to pay for |
| 54% | IMBROKE | 7 | "You'll have to pay for me" |
| 50% | SHIPPING | 8 | What you pay for to have a package delivered |
| 50% | FREE | 4 | When you get something without having to pay for it, it is ___ |
| 48% | PSYCHIC | 7 | She shouldn't have to ask, "Do you want to have your fortune told?" |
| 48% | LETMEHELP | 9 | "You shouldn't have to do it all alone" |
| 47% | AFFORDED | 8 | Managed to pay for, had sufficient funds |
| 46% | ONUS | 4 | "You don't have to pay, it's ___" ("We'll pay"): 2 wds. |
| 45% | EXAMS | 5 | You have to study for them |
| 45% | BLAMEME | 7 | "You don't have to take responsibility for the mistake" |
| 45% | AWGEE | 5 | "For me? You shouldn't have ..." |
| 44% | DOI | 3 | "___ have to spell it out for you?": 2 wds. |
| 44% | LOAN | 4 | Money you have to pay back |
| 44% | YONA | 4 | “You Don’t Have to Go to Mars for Love” writer Harvey |
| 43% | RENT | 4 | What homeowners don't have to pay |
| 43% | REBATE | 6 | You may have to send for it |
| 43% | EASYA | 5 | You hardly have to study for it |
| 43% | LESS | 4 | You shouldn't settle for it |
| 42% | IDDO | 4 | "You have to believe that ___ anything for you.": 2 wds. |
| 42% | IDDO | 4 | "You have to believe that ___ anything for you": 2 wds. |
| 42% | AWGEE | 5 | "Shucks, you shouldn't have!" |
| 42% | TSK | 3 | "No, you shouldn't have" |
| 42% | AWGEEZ | 6 | "Gosh, you shouldn't have!" |
| 42% | PAYCASH | 7 | What you may have to do if someone doesn't take charge? |
| 41% | DEBTFREE | 8 | Having paid off all the money you owed to others |
| 41% | EASYA | 5 | Course you just have to show up for |
| 41% | POSE | 4 | Something you might have to sit still for |
| 41% | ELECTIVE | 8 | You don't have to take it |