Gynecomastia or fat?

[Armystrong95]

I am 19 yrs old, 5'9 160 lbs. I have really puffy nipples for years now and I'm in the military and do a ton of pushups and chest excersizes and cardio, but I can't seem to get rid of my manboobs and form a sculpted chest. It's really emberassing to take my shirt off. Could you tell me if this is gyno or just fat?

[DrPensler]

A photo would be helpful.