How do i tell if it is loose skin or sagginng fat?

The inside of my thighs {up near my groin} are very flabby now. Also the very front of my stomach. It feels like Jello. How do you know if this is just loose skin or fat that needs to be lost?

If it is just skin, it will be very light (skin and tissue weighs very little) and will be very easy to pinch together.  If there is still fat underneath, it will not pinch together as easily and will have some weight to it.

Lora