Whether you are dealing with excess skin or extra fat, take a breath and congratulate yourself on how hard you have worked to get to a healthier version of yourself. Both issues can be frustrating, but luckily, there are a few questions you can ask to get to the root of what it is that you are dealing with. If you're dealing with a layer of stubborn fat, your skin may appear saggy, but not wrinkled. It could also likely be excess fat if you have a BMI higher than 9-10% if you're male and about 17-18% if you're female. On the other hand, it might be loose if the surface of the skin you are grabbing is wrinkled. If it appears untaught as you hold it up to investigate, it is likely loose skin (via BeLiteWeight).
Again, don't lose sight of the fact that you've taken the steps needed to improve your health. In fact, losing even 5% to 10% of your body weight can make a dramatic improvement in your overall health (per Obesity Action Coalition). If you are bothered by your loose skin or excess fat, consider consulting with your doctor to discuss various treatment options.
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