With your own professional opinion, where should my nipple lay, and is my areola too large? (Photo)
You need a breast reduction, which also includes areolar reduction and repositioning. Having done many breast reductions for the past 30 years I can tell you that in cases such as yours it is most rewarding and you after having it you will think to yourself why you took so long to go through with it. Just make certain you are under the care of an experienced board-certified plastic surgeon who can show you many sample photos of similar breasts. Best of luck.
Nipple Position and Areolar and Breast Size
You have very classic large ptotic breasts. You need a standard breast reduction that includes a lift to make your breasts match your body and place smaller areolae in a normal, perky position. You are not, from the pictures, however, large enough to have this covered by insurance. The cost varies in different parts of the country. The cost, however, with all the problems you seem to be having as a result of them, should not matter. You need to find a way to make this a priority and save the money. You need to see a board certified plastic surgeon near you to find out the local cost.
With your own professional opinion, where should my nipple lay, and is my areola too large?
You do have large breasts with large areolas that are too low. A breast lift with a small reduction should make you quite happy with the youthful look you can attain.