Question about bingowings? Weightloss..?

Ok. Im 15 and for last 3 n half monhs i been dieting. Ive went from 19 to 15 stone. I want to lose another 2 and half stone but worried about bingo wings (saggy upper arms) most my fat hangs below when i lift my arms up and i dont know whether to lose anymore (even tho i really want to) if i did it would make less heavy but would have more saggy skin. All advise needed pleasee.