Cowan was born in Los Angeles, California. After graduating from high school, Cowan began acting in theater productions. She appeared in productions of Three Sisters by Anton Chekhov, The Glass Menagerie by Tennessee Williams, and Danny in the Deep Blue Sea by John Patrick Shanley.
Cowan made her film debut playing the character of Jan in the American romance period drama Sunrise in Heaven, an adaptation of Jan Gilbert Hurst's book "His Sunrise My Sunset". She played the supporting role of Kathy Barnes in the action comedy horror Willy's Wonderland (2021) acting alongside Nicolas Cage in an ensemble of teen actors.
In 2022, Cowan appeared in a supporting role as Farrah Lee in the biographical musical drama, Spinning Gold, and in a lead role in the independent romantic thriller Frank and Penelope, as Penelope, "a doe-eyed femme fatale". She attended the world premiere of the movie at the Riviera International Film Festival, and the screening at the Cannes Film Festival.

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