Good Afternoon! The photos help to describe what you're referring to. Options range from minimally invasive to surgical. The minimally-invasive options are topical tightening creams, chemical peels, microneedling like Morpheus8, and FaceTite. Many of these can easily be done in clinic with little downtime. More invasive options would be liposuction or a face and necklift, though you're young to consider this. Some will advocate for threading, though I find the results to be less than impressive. Visit with a facial plastic surgeon to see what options may be best for you. Good luck!
I would highly recommend a facelift/necklift to tighten the deeper structures and also remove the excess skin. I would highly recommend seeing a board eligible or board certified plastic surgeon for a physical exam and accurate analysis with safe recommendations for potential surgical options. Best of luck!