Cholesterol- 175, triglycerides-50, ldl-100, but my hdl was low at 38... is this a problem?

HDL level: Your HDL level is in the low normal range. Keep exercising and eating healthy

Not ideal, but...: We would ideally prefer a higher HDL, but the overall picture seems pretty positive. Pursuing a "heart-healthy" lifestyle, with healthy eating habits, regular exercise and avoidance of bad habits like smoking or alcohol or drug abuse would certainly be advisable, and that may lead to improving HDL levels over time. Even so, your total cholesterol:HDL is still less than 5 (as preferred).