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Objectives: To identify the factors affecting the cognitive function according to the education level of people aged 65 or older. Methods: This study used the data from the 2014 survey of living conditions and welfare needs of Korean older adults. A total of 10,248 people were analyzed in the final analysis, not including those who responded by proxy and those who did not participate in cognitive function tests. Cognitive function was measured by Mini Mental State Examination -Dementia Screening(MMSE-DS), and logistic regression was performed using the SPSS/WIN 24.0 program. Results: There were differences in factors affecting cognitive function depending on the education level. Overall, regular exercise had a positive effect on maintaining cognitive function, and the higher the education level, the more important it was to maintain the Instrumental Activities of Daily Living(IADL). In addition, for lower education levels, improving the life satisfaction was important to prevent the decline of cognitive function. Conclusions: Based on the results of this research, it is suggested that customized approaches shoud be taken according to education level when developing and implementing programs to prevent the decline of cognitive function.