Loose skin or fat?

Hi everyone,

Not sure what I'm doing as I'm new to this....

Anyway, I had a baby 10 weeks ago and am struggling to find anyone who knows if I have loose skin or fat. I've added a couple of pictures so you can see (excuse the pjs) haha!
I have a few months to get into shape before a wedding. Any advice would be appreciated.

Thanks 😊 http://forum.simplyshredded.com/cached/ed6c1c8a920a86716be713dc475d84a5.jpg