Ok first of all your not hearing what these guys are trying to tell you man. It takes alot of time to learn these programs. Once you learn how to utilize the 3d program. It will take even longer to learn how to build a human. Your better off working with daz and the free V3, michele and aiko bases and getting props clothing wich there is a load of it out there for free. Learn how to render use lighting camera angles and making your own textures and what not before you even think about takeling that project until you learn alittle about 3d. Trust me you will drive your self batty trying to just make a human in  a 3d program you have absolutly no clue about the user interface let alone the basics of 3d man!!!!