There is no fold-over waist - the skirt looks like that out of the box. Some skirts have a lot of material in the waist area that you fold over and get that kind of look - this skirt is not one of them. In addition, whoever sewed this put the tag on the outside rim of the waist seam. This can be easily cut off (it has to be) so I will do that. I'm not returning the skirt b/c it is a pretty color (purple) and the material is ok - it's flowing and I happen to like that rather than one that is a hip-hugger. I ordered a large and the fit was almost a little too large but not enough that I need to change sizes. (I am 5'5", 145#). The skirt is elastic waist and stretches so take that into account when you order