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Kate Stewart Fraser was born in Annfield Street, Dundee, the daughter of John Fraser. She was educated at Morgan Academy and Harris Academy and then University College, Dundee (which she attended 1905-1910) and was awarded an honours MA by the University of St Andrews in 1909. She had served as a pupil teacher at Hill Street School and later taught at Harris Academy, Dundee.
During the Great War Kate emigrated to Canada where she married her fiancé Thomas Willock (Tom) Scott, an accountant from Wormit. They had two children Kathryn, known as Kay, a French teacher, and Thomas Stewart, known as Stewart. Stewart Scott also became a teacher and died on 29th March 2006 in Toronto. He was survived by his second wife Maia and his three children.
Kate died in Toronto.