There isn't any "Char only Modeling Program" but there are "Humanoid Model Packs" wich can have fully built humanoid models, or parts from humanoids (legs, arms, chest, heads, hands, etc.) wich you then connect to make you model, rig it, and there ya go.
Of course, this ISN'T cheap, don't except to find one for less then 250€.
Then, you got lot's of great modeling programs, Maya (best modeling app. on the market), 3D Max Studio (2º best modeling program, the interface is a bit harder then the one found on Maya, but it's the app. with most plugins avayable for free or payed, 1º of those plugins, wich i want to buy later on, is 3D Paint, wich let's you paint in real time, directly on the model (like photoshop, but integrated into 3d max studio, there are otehr plugins wich make it easier to make trees, humanoid models, and lot's of misc stuff). We finaly have Cinema3D the cheapest of this least, i heard it's pretty good, but i never tried it (i own 3d Max Studio 7, and my teacher let's me use in his laptop, Maya, sometimes).
For free, we don't find many 3d modeling programs wich are "kinda" easy to build humanoid models, we have GMax (kinda a low copy of Max Studio), it does the trick, but it lacks on lot's of feactures, MilkShape (never checked if it's free or not, much less it's feactures), Zmodeler, free and pretty good for car modeling for it's price (free, and yes, i know you asked for char modeling, but in case someday you want to make a car, you have this).
We then have another app. for medling, dunno the name right now (let me get home and i check it), it has a free version, wich is ment for HL2, you can build everything on that. Of course, you'll then need some other app. that transforms the model into *.X format, since this one doesn't let it do it. Lot's of hard work to make it ready for FPSC, but to compensate, it's interface is pretty easy. But like i said, the free version of this app. is ready for HL2 and HL2 only, you then need to work around to make them for other stuff.
My love is seperated in 2 parts, 1 of them is 3ds Max 7, the other; FPSC.
