HELP! Please!? Stomach?! Will choose best answr?!

Alright!. Hi I'm Maddy, I'm 15, 5'7, and weigh about 135 lbs!. I'm fine with everything about my body except for my stomach!. It is not toned, and theres alot of fat on it!. I have major love handles, and rolls!. But the thing I don't understand is that the rest of my body is perfectly fine!. This gives an illusion that I'm skinny and have a toned stomach, but I don't! So whenever I try to diet or exercise more than I usually do, my friends all criticize me on how small I am! But it's not true! I want to get rid of my flab by summer, how can I do it!

Thanks!Www@Answer-Health@Com

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