hi allisd. congrats on losing the weight! and hang in there.

You may need to include toning workouts ie light weights, sit ups, lunges that sort of thing. Cardio works your heart, lungs etc and burns the fat whereas the low impact stuff works deep in your muscles. and can be easily done from home, and only take 15 mins once a day.

But the skin will also firm up a bit as time goes by, but it may take awhile so i would personally wait a year after i'd lost all the weight and then see how i feel about more drastic measures such as surgery. you may find you won't need it by then. your' body needs to adjust that's all.

I lost 30kg a few years ago and it really didn't take too long to tone up, i can't remember how long tho?

hth
keep up the good work!