'voluntarily-repaid' originates from the combination of 'voluntarily' and 'repaid', where 'voluntarily' comes from Latin 'voluntarius', meaning 'of one's free will', and 'repaid' is the past participle of 'repay', from Old French 'repayer'.

'voluntarily-repaid' evolved from the combination of 'voluntarily' and 'repaid', which were used separately in Middle English and later combined in modern English.

Initially, 'voluntarily' meant 'of one's free will', and 'repaid' meant 'paid back'. The combined term retains these meanings, emphasizing the voluntary nature of repayment.