I'm 30. I had 5stone to loose. I have lost 4 in total in two years. I have found that on the whole my skin has gone back. There are a few areas I'm not happy with. There are options, there was a cream/oil recommended on a different thread on this subject. I have forgotten its name. But I agree with chlo, on the whole I'm not sure if it will be an issue for you.
If it is an issue, there are a number of things you can do. You can speak to a doctor about it see if they can help. Concider saving up loads of money to get it removed privately.
Think about when people have twins though, mostly it all goes away. Weight is spread all over the body, so its not like its all coming off one area. The worst would be you look really hot with clothes, and you are not happy with how you would look naked.
I would really not worry about it though, at 23 you will be fiiinnneee!!!!!
ps, love your body just hate the fat. Not only is it the only one you are ever going to have, it is an amazing thing and there are loads of options for making it look its best.