Going from Reserve to Active Bonus Money.

So a year into my enlistment I realize I made the mistake of going reserve instead of active. I know. Dummy me. But at the time of enlistment I was just eager to join and didn’t do much research. My own fault. But now after a year in, I realize I want to go Active.

So, I got a $7000 bonus, I received $3500 of it. If I end my enlistment early, Will I have to pay back the entire $7000 or just $3500?

In AR635-200 it says Recoupment of the unearned portion of an enlistment or reenlistment bonus is required by law when a Soldier is separated voluntarily or because of misconduct. So would this mean I’ll pay back a prorated amount of the unearned bonus?

For example, I have 5 years left before I enter IRR, 2027, I was told by my career counselor that at the 12 month mark before the 5th year i’d start negotiating a new contract, 2026, so if I leave next year, 2023, I would pay $97.24 each month for the next 3 years of my enlistment? or $72.91 for the 4 years?

Any help is appreciated.