While it is true that men do lose weight and store fat differently than women, both must work to lose the excess. There is a girl not much older than you who is in one of my cardio classes and she has made an amazing transformation. I'm so proud of her! I don't know exact figures but I would guess that she has lost about 35Lbs in 3 months.
You are on the right path. Before I got too bored and went into group, I would go to the Y each night - 5-6 nights per week - and spend 45 mins. to an hour on the spin bike. On Fridays, I would do circuit training in the weight room on the machines for sculpting - that is, 15 reps per machine across 10 machines, 3 sets. So the total would be 450 reps.
I do recommend classes if your gym has them because it will keep you focused, and some classes are designed to work various muscle groups along with cardio intervals for weight reduction. My favorites are step aerobics and zumba. Both will help you to burn calories quickly and they're great fun too
. And don't think that you look silly in front of the others - they're there to do the same thing as you and many of the ones who now look good were at one time where you are now.
If classes aren't possible, perhaps you could find a workout partner. I've done that also - still do sometimes - because with two of you you can keep each other going.
Lastly, don't forget proper dieting and lots of water. Combine this with exercise and you will see great results in minimal time.
Good luck in your journey, and keep in mind the very first thing which I said: YOU CAN DO THIS! GO GO GO!!