The key is to see how long the debt is owed. Maybe it was just a short message at first, and then it became more and more troublesome. Because of the revolving interest (five ten thousandths of the total daily interest), the longer the time, the higher the repayment amount.

Cut the gordian knot and return it as soon as possible. Pay attention to your consumption habits in the future, and don't spend more money than you can repay. There are many people, and 80% of the consumption is for their own face.