[quote name='Cdrandin' timestamp='1358481736' post='5022763']
creating character player and animations, but I have no idea on how to do any of that. I know how to do all the programming stuff and I do prefer programming.
[/quote]
Those are all different diciplines.
Over the years I've seen that for every programmer there are about 0.75 modelers and about 1.5 animators. So combined they are more than double the effort of programming.
If you simply need models, go get a copy of Spore. You can export the Collada models very easily and you don't need modeling and texturing experience.
You will still need to animate them, but since they are already fully rigged you can make simple animations for now, and get a real animator to provide better animations later.