Is this sagging skin or fat? What is the best way to treat this? (Photo)

I did 3 rounds of kybella over six months ago, I want to know if this is sagging skin or fat? And what would be the next best action please. If it's saggy skin then the doctor who injected me lied to me because they said I wouldn't get saggy skin which is why I decided to get kybella... Please reply thank you