That is a ridiculous deal for you. If you pay the loan early, you shouldn't have to pay all the interest. That's the whole point of paying the loan early. I'd check with your lender. If that's what they're actually offering you, I hope you haven't signed this deal.

If you're able to pay it off early, at the very least get a shorter-term loan so you don't have to pay so much interest. This is predatory. Is this how things are done in Europe? It's insanely immoral.