Stretch marks and saggy skin??

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I've lost like 30 pounds almost and haven't noticed anything about saggy skin. Does that mean I'll be okay or is there still a chance it could happen? Also, about stretch marks. I have them right on my stomach near my belly button. They've been getting less noticable since I've started losing weight. I know they never go away but do they atleast get to a point where you barely notice them?? Should I even be self conscious about that??