Is this Gyno or Fat? Need Help!

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I've been working out for over a year and if you see the picture you can see that my upper chest is developed, but I have some man boobs dangling from it...I was wondering if this is gyno or fat?

I've searched that it you feel some type of hard ball under the nipple then its gyno, but if its all squishy then its fat. I don't feel any type of hardness just squishy all over the place.However, I feel like the nipples are too big to be considered only fat...would anybody tell me if I have gyno?

If it is gyno then what would the procedure cost in New York?

I'm 17 years old 5'7 and 163 pounds my Body fat is 18-19%