Josh, people here have suggested speaking to your GP in the first instance and I would agree with them, as there may be other alternatives. It may be that you'll look just fine in a couple of years if you carry on as you are doing, and it would be much better to let it happen naturally.
You've said yourself that you've lost weight, exercised and changed your lifestyle, so you're clearly motivated and committed to change. This would go in your favour when the doctors make any decisions about how suitable you'd be for any treatment. You also seem to be very realistic about the possible outcomes of any surgery (ie, you don't want to be an Adonis, you just want to look a little better), which is another good thing.
A chap I know, in his 50s, was morbidly obese and was told he'd be dead in a year if he didn't do something. He was actually recommended to have his stomach stapled, which he did, and he's lost a huge amount of weight - riding a motorbike again now, which was his motivation. He's been left with a load of flab around his middle and he's going to have a tummy tuck done on the NHS. I know you can have similar surgery in the tops of legs and arms. I think the thinking is that great folds of flab can be difficult to keep clean and can often rub and cause soreness, leading to infection.
I would keep your money for uni - you're going to need it. And you'll be surprised how accepting people at uni can be about size and image etc.
I wish you well in your studies and your weight loss - now go out there and enjoy yourself.