Quote - I want to make person.  How do I get a person to show up on my screen?  What is the basic program I need to create a 3D image of a human being?

At least this question I can answer!  You have to use a modeling program in order to be able to make characters from scratch.  Now hopefully you have had some experience with this because a LOT of work is involved with making characters from scratch. 

There are a lot of free modeling programs that you can download from the internet.