free reference photos: (can be used to for modelling)

http://free-textures.got3d.com/natural/free-character-references/index.html =>wide age range, male and female, more than 20 sets

http://www.spectralogue.com/textures/index.php?path=41 => contains nudity(clothed models also.),female, 4 sets

http://img227.imageshack.us/img227/3269/56240938fm3.jpg => a quick model i made using one of the got3d reference photosets

donwload it here : http://www.turbosquid.com/FullPreview/Index.cfm/ID/388285