Swan attended Midland Public School and as a teenager, she worked as a reporter on the Midland Free Press. From 1959 to 1963, she was a boarder at Toronto's Havergal College, which inspired one of her novels. Swan has a general B.A. from McGill University (1964–67) where she worked on The McGill Daily. Swan was also editor of The McGill Scene, a newspaper for Montreal high school students that was banned under Swan's editorship. Swan later worked as a reporter for several Toronto daily newspapers before turning to magazine freelance and novel writing.