So upon turning 20, the infamous Latin love handles have popped up on my body. As well as a small pooch on my lower tummy. I'm about to turn 21 in two weeks and I still have the blasted love handles and pooch no matter how much core I do, they won't go down! I was a gymnast for ten years, I am a coach now so I lift and run everyday and none of that has worked yet, nor has any of my past gymnastics training, so I need some help!
I've heard the best way to loose those last few pounds in little places is to work large muscle groups. They burn more fat and will look for stored energy to use as fuel. As far as working the mid section that is for strengthening and toning not weight loss. Lastly your diet is crucial not just what you eat, but how late your last meal or snack is consumed. Hope this helps, good luck.
Going along with what Kevin has said already, let me add that it's important to be conscious of what kinds of foods you are eating. I'm talking about your macronutrient ratios. All foods can be divided into proteins, fats, and carbohydrates. If fat loss is your goal, you need to (along with exercise) reduce the carbs you're eating and replace them with protein and fat.
Don't be discouraged by your challenges, be motivated by them! Since you cannot spot reduce fat you want to reduce your overall body fat percentage (BF%). There are several factors that contribute and increasing your lean body mass (LBM) or muscle tissue is one of them, along with your diet, and your daily activity level. Everyone is different so don't be afraid to try different things to see how they work for you. Just be patient and give it at least two weeks before you decide if it's working or not.