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You will need some sort of cardio. That's not just loose skin, it's fat.
First thing; if running hurts your back, I'd say you need to check your feet. One of the main causes of chronic back problems is an improper walk or footwear. I know, because it happened to me. Turns out that I roll my feet outward when I walk; I took a job where I was on my feet most of the day, and my back just got worse and worse. Finally, a smart shoestore operator with some podiatry training sold me on some shoes with appropriate support, and I've been great ever since.
Aside from that; consider bicycling for aerobic exercise. If you can work a bike commute into your daily routine, that's even better. You don't have to really break a sweat to lose weight; just eat right and get more active than you are.
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