Sorry to here and see the problems you have. Under local anesthetic the excess skin can be cut away improving your result.
This should be much more affordable for you.
Secondary Tummy Tuck Revision
You don't need a full tummy tuck surgery but you do need a central re-excision of skin to correct the overhang and do a pubic lift (with liposuction of the pubic mound) and dog ear excisions. These are not office procedures but could done under IV sedation with local anesthesia.