When someone is charged with fraud, they can almost always get a plea deal because the government has the expectation that the repayment of money is the ultimate goal. Because fraud is not a violent crime, it is usually not a situation where the government wants to get the maximum possible punishment such as incarceration.
In a fraud case, most often, the government is just interested in making sure that the victim is repaid in full if at all possible, and working out an appropriate punishment under the circumstances. Almost always, a person can expect the government to offer some resolution through a plea agreement that is short of a maximum penalty if the person charged agrees to make the victim whole by repaying all the amounts that were taken.