Francine Rubin Pascal graduated from New York University in 1958. It was there that she first met author and journalist John Pascal and, in 1965, they were married (the second marriage for each). Francine often credited John as her writing mentor, and they collaborated on several projects, including writing scripts for the ABC soap opera The Young Marrieds, which aired from 1964 - 1966. John died of cancer in 1981, at 49 years old.

Francine's brother was the prolific Broadway playwright and librettist Michael Stewart, who wrote the books to such musical hits as Bye Bye Birdie and Hello, Dolly!. Francine, her husband John, and her brother Michael worked together writing the book to the Broadway musical George M!, which ran at the Palace Theatre from 1968 - 1970. A television version of George M! was aired on NBC in 1970.

Michael Stewart died in 1987. Since then, Francine has revised his musical Mack & Mabel. She has also worked on the revision of another of his musicals, Carnival!, for the Kennedy Center in Washington.

Francine's first young adult novel, published in 1977, was called Hangin' Out with Cici, in which her heroine, Victoria Martin, went back in time and met her mother as a teenager. It was televised as an ABC After-School Special My Mother Was Never a Kid. She has written two other Victoria Martin books: My First Love and Other Disasters, and Love and Betrayal & Hold the Mayo. Another of her early novels, The Hand-Me-Down Kid, was also made into an ABC After-School Special.

More recent works include the Caitlin series, a set of three trilogies which follows a teenage girl into adulthood, as well as a second mass-market project, the young adult fantasy spy series Fearless and its spin-off Fearless: FBI. A TV series was also planned for Fearless, but for several reasons it never aired.

The Ruling Class, a teen novel about a clique of spectacularly cruel girls who essentially run a high school in a wealthy Dallas suburb, has been described as "a magnetic tour de force created by a master storyteller at the top of her form."

In addition to her work for mostly female teens, Francine has written some adult fiction books, including La Villa (originally published as If Wishes Were Horses) and Save Johanna!, as well as a non-fiction book, The Strange Case of Patty Hearst, which she wrote with her husband John.

John and Francine Pascal lived in Manhattan with Francine's three daughters from her first marriage: Jamie, Laurie, and Susan. (John had a son from his first marriage, Matthew, who lived with his mother.) After John died, Francine and her daughters remained in Manhattan, and Francine has often said that much of the inspiration for her young adult novels came from watching her own three daughters grow up.

On February 22, 2008, Francine's oldest daughter Jamie died after a two-year battle with liver disease.

Francine now divides her time between homes in New York and the south of France. She maintains a rigorous professional schedule, but spends as much time as she can with her children and grandchildren. Since John died, she has never remarried. Her daughter Susan now lives in Shanghai, with two daughters Anna and Nicole, both working in the modeling area.