WASHINGTON - IT is one of the widespread assumptions of the war on terrorism that the Muslim religious schools known as madrassas, catering to families that are often poor, are graduating students who become terrorists. Last year, Secretary of State Colin L. Powell denounced madrassas in Pakistan and several other countries as breeding grounds for "fundamentalists and terrorists." A year earlier, Secretary of Defense Donald H. Rumsfeld had queried in a leaked memorandum, "Are we capturing, killing or deterring and dissuading more terrorists every day than the madrassas and the radical clerics are recruiting, training and deploying against us?"

While madrassas may breed fundamentalists who have learned to recite the Koran in Arabic by rote, such schools do not teach the technical or linguistic skills necessary to be an effective terrorist. Indeed, there is little or no evidence that madrassas produce terrorists capable of attacking the West. And as a matter of national security, the United States doesn't need to worry about Muslim fundamentalists with whom we may disagree, but about terrorists who want to attack us.

We examined the educational backgrounds of 75 terrorists behind some of the most significant recent terrorist attacks against Westerners. We found that a majority of them are college-educated, often in technical subjects like engineering. In the four attacks for which the most complete information about the perpetrators' educational levels is available -- the World Trade Center bombing in 1993, the attacks on the American embassies in Kenya and Tanzania in 1998, the 9/11 attacks, and the Bali bombings in 2002 -- 53 percent of the terrorists had either attended college or had received a college degree. As a point of reference, only 52 percent of Americans have been to college. The terrorists in our study thus appear, on average, to be as well educated as many Americans.

The 1993 World Trade Center attack involved 12 men, all of whom had a college education. The 9/11 pilots, as well as the secondary planners identified by the 9/11 commission, all attended Western universities, a prestigious and elite endeavor for anyone from the Middle East. Indeed, the lead 9/11 pilot, Mohamed Atta, had a degree from a German university in, of all things, urban preservation, while the operational planner of 9/11, Khalid Sheikh Mohammed, studied engineering in North Carolina. We also found that two-thirds of the 25 hijackers and planners involved in 9/11 had attended college.