You should begin by the basics :
Youtube Blender character making You can use sculpting tools of Blender that is perhaps more easy, or Sculptris that i recommend to beginners, than retopology your model ...
To make a 3D model is 3D practice only.
I would not recommend MED caus it is for very low poly models and not as easy and powerfull/complete as modelers like Blender for example.
If you beging 3D perhaps go for it and try something ...
The other way is that you can buy characters on sites like TurboSquid or Dexsoft.
Than if you have the skills, you can re texture it or personnalize it.
This way should be lot more better for you to buy or find on some site a character already animated !
Good luck !
