There are many threads on loose skin. It depends on a few different things, really.
If you are exercising regularly that will help. If the muscles are in shape under the skin it will improve the appearance.
Second is heredity. Some people can lose 80 pounds and their skin looks great-others have a touch of extra skin after losing 30.
Body shape is also a factor. You will tend to have a little extra skin MORE in the places you carried most of your weight when you were your heaviest. If you were mostly belly-then it will be there. If you had heavy arms-it will be there instead, etc.
For most people losing 20-30 pounds doesn't give them much of a problem. It is when you get into the 50+ pounds where you start noticing it a little. By the time I get to goal I will have lost well over that-and while I have a little extra skin in the upper arm and lower ab area, it's not extreme enough for me to do anything drastic about it. On the other hand, there are some members here who have lost 100+ and have had extra skin surgically removed. It is a personal decision.
I am not sure wiht the information that you gave where you fall in this category.
My advice is to exercise (cardio exercise of some sort for fat loss, and strength training of some sort like weights or Pilates for muscle shaping) and to use skin cream after you shower religiously. Keeping the skin massaged and hydrated will help out the appearance as well.
Start weight after baby #3: 233.9
Current weight: 143
90 pounds lost!