| 100% | FAIL | 4 | Have to retake, say |
| 70% | OWE | 3 | Have to reimburse, say |
| 69% | PASSED | 6 | Didn't have to retake |
| 68% | OPINED | 6 | Had something to say |
| 67% | PASS | 4 | Not have to retake, as a class |
| 66% | CAMEDUE | 7 | Had to be paid, say |
| 66% | XXXXXX | 6 | Didn't have to retake, as a class |
| 65% | OWE | 3 | Have to give back money, say |
| 65% | OWE | 3 | Have to repay a friend, say |
| 65% | FALLSILL | 8 | Has to call in sick, say |
| 64% | LOSTABET | 8 | Had to shave off one eyebrow, say |
| 64% | ALLI | 4 | "That's ___ have to say" |
| 63% | LOSESATURN | 10 | Has to wait until the next round, say |
| 63% | TRAVELLIGHT | 11 | Not have to check bags, say |
| 63% | ALL | 3 | "That's ___ I have to say" |
| 62% | SWEAR | 5 | Have to put a coin in a jar, say |
| 62% | ELSE | 4 | "So, what ___ did she have to say?" |
| 62% | CHATTY | 6 | Having a lot to say |
| 61% | ALITTLEPATIENT | 14 | "You have to be ___," said the pediatrician |
| 61% | OWE | 3 | Have debts to pay off, say |
| 60% | PANNED | 6 | Had nothing good to say about |
| 60% | NOTINIT | 7 | Having failed to ante up, say |
| 60% | OWES | 4 | Has debts to pay off, say |
| 60% | RETEAR | 6 | Have to go in for anterior-cruciate-ligament surgery again, say |
| 60% | AAH | 3 | Something you may have to say to the doc. |
| 60% | EOM | 3 | Texter’s “That’s all I have to say” |
| 59% | GRAVITY | 7 | Said to have been discovered by Newton |
| 59% | ABLE | 4 | Having the skill to do something, say |
| 59% | YOU | 3 | "Do ___ have something to say?" |
| 59% | OWE | 3 | Have debts to settle, say |