Hasn't settled up

OWES

Still needs to pay back what was borrowed or charged.

"Hasn't settled up" is a straightforward clue hinting at someone who still needs to pay what they owe. The word "settled" refers to paying a debt, so the opposite—still owing money—leads to "OWES." There’s no hidden wordplay here; it’s a direct definition where the answer fits the idea of an unpaid balance. Think of it like a friend saying, "They haven’t paid me back yet—they owes me."