Are these really jowls at 25? I don't think it's loose skin because when I pinch it's fatty. (photos)

Thanks for your question.  I would have to agree with my colleague that your face looks completely normal for your age and significant jowls are expected to become more noticeable starting in your 40's.  Best of luck to you.  

Gravitional aging in the face typically begins in your 40s.  You face appears completely normal based on the photos you submitted.