Daz3D is an awesome 3D program that is free to install and use. yep, FREE! I have used both it, Raydream Studio, and Poser and it is by far the easiest to learn and use and just as good and I think better for finished work. Where they get you (see the word FREE) is in selling you the objects and figures and skins. But all in all it is a very good deal. I have loved it.
(quick note, I am having trouble signing into my account today so I am not sure if you will have any trouble registering if you should try it)
CODE
http://www.daz3d.com/i.x/0/0/-/
And should you like it or even if you are using another 3d program, the best online community to join and frequent is Renderosity.
Sign up for the newsletter and you get a monthly freebie that is sometimes just what you were wanting! Some members offer their art free, some ask a small fee, but it is a really good place for 3d artists and noobs.
CODE
http://www.renderosity.com/index.php
If you delve into 3d art there are also tons of free objects and skins all over the web as well.

