Is it fat or loose skin? I've never met anyone as saggy and soft as I am (Photo)

I'm a 28 year old male. I became obese (but not morbidly so) when I was a child. I lost weight after a growth spurt in high school that inspired me to diet and exercise, but continued to yo-yo a bit in college. Now I'm the thinnest I've ever been at 72 kilograms, but still feel like a saggy ball of fat and skin whenever I undress. Once the clothes come off I get many comments about how doughy I am. My stomach and thighs sag, and my nipples look puffy and saggy too (like a pregnant woman).

No doctor answers yet