My choice was to be healthy and have extra skin. I hope one day to be able to have some removed - however - living a long healthy life is my first goal.
There is no magic solution or cream. Eat a balanced diet that includes the vitamins and nutrients necessary for overall body health. Keep hydrated. Loose gradually.
I know it's not the answer you want - it's not the answer anyone wants but we can't plan on loosing 25 or 50 % of body weight and expect our skin to bounce back.
Genetics, age, etc. play into it.
Please try to take this one thing at a time. Healthy, weight loss. They day may come that you can afford cosmetic surgery.
I think physical exercise absolutely helps tighten skin. I have noticed swimming (and moving me ol' neck back and forth *has made the skin under my chin and neck appear tighter.
Remember - one step at a time. We wont' really know what our end result is until the end and this is a time consuming process.
Congrats on the decision to make healthy changes :)