belly flap help!

I had an emergency c-section 7&1/2 months ago.
I was obviously expecting pain, numbness and stretch marks. Everything healed well, the numbness is receding, and the pain is almost completely gone (just an occasional sharp twinge!). Obviously I've got the stretch marks. 
However- I've still got a flap of dangling loose skin hanging over my incision!! It's making me feel absolutely awful about myself. It's excess skin, not fat. Please someone tell me how to make it go away?!?! I've heard horrible rumours that it's apermanent fixture?!!