The only advice I have is keep going until you reach your goal and then re-evaluate the situation.

It seems like we all have one area where the fat leaves last and so, the last 20 - 25 pounds can make a huge difference in how we look. I think sometimes people get frustrated at the lack of changes in their bodies and give up too soon.
Once I reached my goal, I couldn't tell what was excess skin and what was fat until a plastic surgeon sorted it out for me. All the puckered up, droopy skin on my hips and butt and thighs looked just like cellulite to me until he told me it was all skin ("yards and yards of skin"!) It flapped when I ran and floated around me in the bathtub. Since you're in the health care field, Uber, you may have better luck than I did in figuring out what's skin and what's fat when you reach goal. Regardless, many people have found that their skin tightens up and body continues to change for a while after they reach goal. Weight loss is a huge change for our bodies and it takes time to adapt.
I can tell you that if your problem turns out to be excess skin once you reach goal and you're not interested in removing it surgically, it should be pretty easy to camouflage with clothing. Once the fat layer is gone from under the skin, the skin itself is really thin. When I got down to the teens in body fat percentage, my excess skin was like tissue paper. I could hold it out in front of me, pinched between my fingertips, just like a sheet of paper. It was so thin that I could shine a light through it because at that point, it was just skin with no fat behind it. When you reach that point with your belly, it wouldn't be hard to find pants that fit because the skin won't take up much room.
So hang in there! Be patient because it will get better!
ETA: I was typing when Catherine posted and we said a lot of the same things.
