I really think that surgery to have it removed is the only real way to get rid of it. Unfortunately our skin is like a balloon that has been blown up and then had all the air let out of it again, once you do that it will never go back all the way to tight and firm. I understand about being scared of having the surgery, I have 3 younger kids and a husband that need me and I know its scary!
I also know that there are things that will improve the excess skin, (but not take it away) like keeping your self hydrated with good pure water, cutting down or eliminating caffine, eating good quality nutrition with lots of fruits and veggies, and there is a natural supplement called MSM that helps with healthy skin, nails and hair (I take 1,500 mg of this daily) also of course lots of good quality rest and exercise will all help, but again..... not remove the skin! I know there are other things like infrared saunas which promote sweating/detoxing and natural skin wraps that help draw out toxins and reduce inches.
I have lost 120's and I am looking into excess skin removal myself, I still want to lose another 20 lb's before I move forward on that though, I have come to the acceptance that the skin is not going to go away, and it is no longer part of me, I do not want to carry around the baggage of my old self for the rest of my life.
Best of luck to you!
Michelle