upset HELP

im 22 and have the tummy from hell :( 2 kids and i carried massave! i was covered in giant stretch marks that looked like gashes,now iv lost weight my skin is hanging from my bodey its horrible i hate it,i cant wear a bikini at 22 in summer without people laughing,tummy tuck is my last option but for now is there anything ??? just to firm and tighten a little ? i have a hernia on my belly button also from pregnancy,and problems with bloating,my tummy is a ugly ugly mess :'-(