sebring--I can sympathize. I am 5 ft even, 175 lbs, have done all the diets and nothing. I have even been seeing a personal trainer 5 days a week for months, been to a nutritionist and stuck to a diet around 1200-1300 calories a day--not one pound.
I used to think it was laziness, or lack of truly trying, but not any longer--I really believe some people can't lose with willpower or "self control."
(There can be alot of health factors as well, ie thyroid or past medications (antidepressants KILL your metabolism). If you want to learn more, spotlighthealth.com is a great message board, with very supportive people. I too am considering surgery, and I too don't qualify under the 100 mark--but there are options for people like us (ie mexico--the docs there practice on the philosophy that why wait until you have all the diseases associated with obestity--more preventative in nature--and apparently quite a few docs in mexico have fabulous credentials--they trained the us docs). Good luck to you, I will be checking back here so if you have anymore questions feel free, I feel your pain