And does the difference of 195.000 SP equal to your unallocated SPs?
Did you even read the page that was linked to you - it is also stated there:
A character will have to have 5.500.000 Skill points minimum in skills to be able to extract skill points as it is not possible to extract skill points below 5.000.000 Skill points. Unallocated skill points DO NOT count towards those 5.500.000 SP and cannot be extracted until they have been applied.