massage any loose skin with the lotion of your choice. commit to this at least once a day and youlll tighten a lot of skin. any mineral oil, baby oil, massage oil, etc., works very well AND doing it actually will boost your self esteem because of the tactile love you're giving.
unfortunately, aprons will really only respond to surgery.
but skin massage is like aerobics for the flesh. it really works and costs virtually nothing.
i'd like to have a panniculectomy but have really put it on the back burner for now.