Over the last few weeks, I’ve had the opportunity to get out of Washington and talk with folks across the country about how we can create jobs and get our economy growing faster.

This is a tough time for a lot of Americans, especially young people. You’ve come of age at a time of profound change. The world has gotten more connected, but it’s also gotten more competitive. And for decades, too many of our institutions — from Washington to Wall Street — failed to adapt, culminating in the worst financial crisis and recession since the Great Depression.

For the last three years, we’ve worked to stabilize the economy, and we’ve made some progress. But we still have a long way to go. And now, as you’re getting ready to head out into the world, many of you are watching your friends and classmates struggle to find work. You’re wondering what’s in store for your future, and I know that can be scary.

The truth is the economic problems we face today didn’t happen overnight, and they won’t be solved overnight. But the fact that you’re investing in your education right now tells me that you believe in the future of America. You want to be a part of it, and you know that there are steps we can take right now to put Americans back to work and give our economy a boost.

The problem is there are some in Washington who just don’t share that sense of urgency. That’s why it’s been so disappointing to see Republicans in Congress block jobs bills from going forward — bills that independent economists say could create millions of jobs though the kinds of proposals supported by Democrats and Republicans in the past.

Now, the best way to attack our economic challenges and put hundreds of thousands of people back to work is through bold action in Congress. That’s why I’m going to keep demanding that members of Congress vote on common-sense, paid-for jobs proposals. And I hope you’ll send them a message to do the right thing for your future and the future of our country.

But we can’t wait for Congress to do its job. So where they won’t act, I will. That’s why I’ve announced a new policy that will help families whose home values have fallen refinance their mortgages and save thousands of dollars. We made it easier for veterans to get jobs putting their skills to work in hospitals and community health centers.

And at the University of Colorado at Denver, I announced steps we’re taking to make college more affordable and to make it even easier for students like you to get out of debt faster.

Michelle and I know what it feels like to leave school with a mountain of debt. We didn’t come from wealthy families. By the time we both graduated from law school, we had about $120,000 worth of debt between us. And even though we were lucky enough to land good jobs with steady incomes, it still took us almost 10 years to finally pay it all off. It wasn’t easy.

Living with that much debt forces you to make some tough choices. And when a big chunk of every paycheck goes toward student loans, it isn’t just painful for you — it’s painful to our economy and harmful to our recovery.

That’s why we’re making changes that will give about 1.6 million students the ability to cap their loan payments at 10 percent of their income starting next year. We’re also going to take steps to help you consolidate your loans so that instead of making multiple payments to multiple lenders every month, you only have to make one payment a month at a better interest rate. And we want to start giving students a simple fact sheet called “Know Before You Owe” so you can have all the information you need to make your own decision about paying for college. That’s something Michelle and I wish we had.

These changes will make a real difference for millions of Americans. We’ll help more young people figure out how to afford college. We’ll put more money in your pocket after you graduate. We’ll make it easier to buy a house or save for retirement. And we’ll give our economy a boost at a time when it desperately needs it.

That’s not just important for our country right now — it’s important for our future. Michelle and I are where we are today because our college education gave us a chance. Our parents and their generation worked and sacrificed to hand down the dream of opportunity to us.

Now it’s our turn. That dream of opportunity is what I want for my daughters and for all of you. And even in these tough times, we are going to make that dream real once again.

In the weeks ahead, I’m going to keep doing everything in my power to make a difference for the American people — including young people like you — because here in America, when we find a problem, we fix it. When we face a challenge, we meet it. We don’t wait. And I hope you’ll join me.

Obama is the 44th president of the United States.