Hi Sirensongwoman! There is no magical solution for knee fat. Like all other area's of the body, fat in this area needs to be burned off the same way. Hard work, a balance of cardio, weight training, and clean diet.
Age, gender, and genetics determine where and how much stored body fat lies in certain areas of the body. Genetics will determine how much you can burn off and what amount (if any) will remain despite your truest realistic efforts.
There are specific areas that the body tends to store fat in men and women. Women generally carry body fat around the buttocks and thighs. Men generally carry body fat around the abdomen. As we age these areas are more reluctant to want to shed body fat.
Here are other common fat storage areas in men and woman.
Knee Fat often builds up on the inside region of the knees in women.
The upper arm also commonly carries more fat in women.
Abdomen fat around the navel area is common in both men and women.
Inner thigh fat is common in women but also can occur with men.
Outer thigh fat is a very common area for cellulite to appear in women. This fat also combines with fat on the inner thigh and the buttocks.
Lower back fat concentration, often known as the muffin top, accumulates in men and women.
Chest (breast area) is surrounded by fat in both men and women.
Remember that you can't spot reduce. Exercise should always be a part of any fat loss program. Vigorously exercising a specific body part will not have any influence on local fat in that area.
It can be very frustrating but everybody is different. Stay committed to your training and diet. You must focus and work hard. Understand how your body works and set achievable goals accordingly.
Good Luck!