While previous studies of contraceptive use have considered the influence of education and religion, there are still a lot to be learned about how education and religion affects contraceptive use. Examining a nationally representative household survey of married or attached Ghanaian women, this paper adds to this literature by considering the potential influence from participation in adult literacy programs and the possibility of interaction effects in the education-religion-contraceptive use relationship. The main results are three fold. First, there are strong associations between both education and contraceptive use and between religion and contraceptive use, indicating that education and religion are both important for contraceptive use, yet their both contributed something unique to this relationship. Second, adult literacy programs are fairly successful in promoting contraceptive use. Third, education turns out to be an important modifier in the initially estimated relationship between religion and contraceptive use. Once the sample is divided into females with little to no education and females with higher education, the initial results turn out to be driven entirely by the uneducated group. In other words, as human capital levels increase, the importance of religion disappears, at least as far as contraceptive use is concerned. Directions for future research are also presented.