Attached Link: http://www.anim8or.com

I'd like to recommend anim8or. It's free, and a neat little program. It will export obj files, which means you can use it to create Poser characters. The author of the program is very helpful, and always responds to emails. It's pretty basic, but you can't beat the price, and you can find out if you like modeling enough to invest in a more expensive package. If you want to use it to make Poser figures and morph targets, I have two beginner tutorials at http://www.jabberdoggy.com/Tutorials/Tutorials.html.