Criminal Law Questions? Ask a Criminal Lawyer.
Yes, the fact that you made voluntary re-payment will definitely be a mitigating factor at sentencing, as will your prior record if any.
If you tell me what state you are in, I can give you the senetencing guidelines for the offense I think that you would most likely be charged with.
If this is a first offense, I'd be very surprised to see any time, and, if there are prior offenses, time seems unlikely still unless there is a pattern or a fair amount of history.
I hope that this was helpful to you. If it was please remember to click "ACCEPT" on your screen to make sure that I am paid for my efforts. By clicking ACCEPT you are not giving up your right to ask more questions on this issue, and I will be happy to respond to these as well.