This study is to investigate the effecting factors on using ICT ability, and using computers for learning through PISA 2009 Korean data. Multi-level analysis is adapted to hierarchical nested data. Results show as follows: First, using ICT ability is affected by variables on the student level, but not on the school level, except in ESCS. Second, using computers for the purpose of learning at home is also affected by variables on the student level, but not on the school level, except in ESCS and in the size of region. Third, using computers for learning at the school is more influenced by variables on the school level like ESCS, the size of region, the ratio of computers, and the student-teacher ratio. The results suggest planning a computer education policy with considering both personal and school differences based on the multi-level approach.