Hmmmm.... This is way over my head.

Is there a program that will let me make a person, and if so, what is it called.  I don't care about rendering or anything like that for the moment, since I don't have anything to render.  I just want to make a 3D character.

I'm completely brand new to the whole 3D thing, so what do I need build one from scratch?

Help is appreciated.