You need to get out of your echo chamber.
Many "decent" jobs require at least a university degree, which almost always entails taking out a loan. So while you don't have to "pay" large amounts of money, you may need to loan it and then pay it back later.
You do realize that wasn't true until about 15 years ago, right? You should be asking what happened (hint: it wasn't Capitalism, it was the US Government's inflationary student loan program). Until the mid 1970s when the US Government nearly destroyed the dollar, you could pay for a Harvard education with a part time job. As recently as the late 1990s, the US had very little in the way outstanding student loans compared to the size of its median income (thus the epic student loans increase that everybody can't stop talking about, ie that's why it's a headline now, because it wasn't expensive before).
It should take you about 15 minutes to do some research and compare the price of a college education prior to the year 2000, versus incomes at the time. Pick any decade prior to 2000 and do the comparison. What happened after 2000? The Bush years wars & spending hammered the dollar, which also sparked the big commodity bubble.
College tuition & fees costs climbed 500% from ~1990 to ~2010. I wonder if that was spontaneously caused by Capitalism; you know, just out of the blue prices suddenly skyrocketed because of Capitalism; or if it was something the US Government did to cause it.
Another hint: how were college costs able to completely disregard income growth and all other restraints for two decades?
Nowhere did I claim that "free market" policies led up to this point, nor did I claim that government intervention didn't lead up to this point. However I did claim it was due to the capitalist mode of production and so far I haven't been refuted on that point.