Loose Skin - Does it happen to everyone?

I'm 30 pounds down with about 40 to go and I'm noticing loose skin now. I'm worried about how it'll look- kind of deflated looking my mom previously lost 40ish pounds and my body is reacting like hers did (not good ) so at least I know what's coming.

It happens to some people and not to others. My best friend, who gained 100 lbs. during her first pregnancy, had NOTHING extra except a few stretch marks on her rear afterward, and had no loose skin at all. I, who gained 80 lbs. during my first pregnancy at the "bounce-back" age of 19, had a huge hanging flap afterward even down to 105 lbs. with working out, and 17 years later, when I got pregnant with my second, that flap was still there, so I think I gave it a fair trial to determine that it was (is) permanent.

But I'd rather be thin with an ugly flap than fat with an ugly flap. I can say with absolute assurance, even looking back with an objective eye years later, that my ugly flap was invisible when I was wearing jeans, and without them, I never actually had a complaint. (Even now, at my comparatively quite gigantic weight, when I put on my clothes, it simply doesn't show. Well-fitting underwear - not Spanx or anything crazy, normal underwear - and well-fitting jeans, and it just doesn't show.)