I have loose skin, and I know that Kirra does too. I've loose skin in my tummy, top and back of my thighs and on my upper arms too. The thing is, for me, and again I know Kirra feels the same, I'd rather have the loose skin I've been left with than be almost 300 lbs again.
Not everyone gets the same amount of loose skin though, things to consider are how heavy you were at your heaviest ( therefore the most your skin will have been stretched), how old you are, if you've ever been pregnant and how much you actually lose. All these things will also have an impact on how much loose skin you have.
For the loose skin I have (esp my tummy) no amount of toning will get rid of it, under the loose skin, my tummy muscles are fab, but the only thing that will rid me of the excess skin is a tummy tuck.