Cryptic crossword clue
Freeloader surgeon prepared to accept credit

The most common and most likely answer to this crossword clue is the 9 letter word SCROUNGER

I've seen this crossword clue in The Guardian
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Buddy explains!

The straight part
We know that "Freeloader" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case freeloader = scrounger.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does SCROUNGER mean?

SCROUNGER noun
  1. One who scrounges.

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