Saggy Skin on my mid section

JoyYip

I've had three children.. my most recent one 3 years ago at 38 years old. Dressed I look muscular and lean (particularly my arms and legs).. but under by shirt I have sagging skin around my waist area, with the layer of fat. I didn't loose weight dramatically, but I did put on 25kg quickly during my pregnancy. I don't have stretch marks but my skin is stretched. I spoke to a lady in my gym today and she says that the only solution is a surgery - a tummy tuck... which she had herself after loosing 20kg....hmm.. but surgery scares me. I'm still carrying 7kg more than I did before my pregnancy. Surely there are other options or possibilities?? Your advise would be appreciate.