Nick, a couple things I think aren't *entirely* accurate. Reliance is a female first, so she's going to need a higher body fat. If someone isn't working out, get 1g/lbs of protein, and a large caloric deficit they will lose muscle mass as well; although that doesn't seem to be the case here.
Reliance, just like Nick said most of the saggy-ness is most likely coming from loses fat in your arms. Women tend to store more fat in their arms then men do. So you've got more to lose there.
So give it time, keep doing what you're doing and the skin will catch up.
"Go For Broke"
Fat Kine-230/24% @ 6'2"