is it skin or fat?

The last time i got skinny (15 lbs from where i am now but fitter) I still had flappy skin hanging. It was gross... I have had three kids, i have a lot of stretch marks, i spent the better part of my life topping over 230 lbs, so i don't blame my skin for being flabby... but how do i know if it's fat or skin?

When i was doing the 30 day shred, i looked down and the whole front of my stomach was sagging down... under it is a little baby six pack starting to form (maybe more like a 4 pack, of thos cute little baby cans).

I know i will never wear a bikini. I'm going to start a penny jar for my tummy tuck/boob lift, because I really am mangled. I'm just wondering how i'm supposed to get over this skin that's too big for me!

I stayed at my goal weight (it was 160 I'm 5'7 and it was actually quite slim on me) for a few years, and the skin went nowhere.

if i keep losing weight will some of that leave me too?

thoughts? are we all thoroughly grossed out yet?