Alright, thank you. I wanted to get a complete view of the situation.
Paying the money back does not undo the crime, but it may very well lessen the chances of her being prosecuted for it. From a practical perspective if the money is paid back upfront the investigator could choose not to forward it to prosecutors for prosecution or the prosecutor could choose not to prosecute it. There is no guarantee of that though without an express agreement.
Ideally, she would immediately hire a criminal
defense attorney who could attempt to negotiate that in return for repayment with the prosecution and/or investigators. I realize that hiring an attorney costs money as well but she will have to anyway if she is charged. She should not talk with investigators without an attorney representing her being present. Most attorneys will counsel her to not to talk to investigators at all.
If charges are filed, she will likely be arrested and a bond amount set on the warrant. She can then use a bondsman to post her bond or post a cash bond in the total amount if she has the funds. She will then have to hire an attorney or apply for a court
appointed one. She will likely have multiple court dates until she, through her attorney, and the prosecutor work out a plea agreement
. If they cannot, then the case will be set for trial
. The vast majority of the time these cases are resolved through a plea agreement for probation and restitution.