You borrowed everything, so don't worry. It is estimated that it is also 38 100 borrowed by the big platform. Even if it's not, it's almost so much for the big platform to borrow 38 100 minutes for three years, and it is estimated that it will double. I think I know how you did it. First, you borrowed 38 100, and then the extra money is interest, part of the platform service fee, and credit information fee (the platform says it can improve your approval rate and quota, but it is actually a routine).
This kind of companies are all marginal. How to calculate their interest is legal. What you really need to solve now is to negotiate a refund with them first. If not, call 123 15 to complain. Or you really need money, you can borrow it and pay it back slowly.