First of all, thx all of the above for great links.
Ranting nerd, I myself just learned Blender and have made a rigged human model for a 3D modelling class. Unfortunately it didn't export to xna properly because I rigged it without a parentbone so it isn't exactly ready to put in agame right now. However, you can have it as is if you just need something fairly simple for your game or, if you can wait, you could have it once it is rerigged. You may have to learn some posing though, as right now he doesn't know how to jump :)
Mike
PS. He does know how to draw a pistol or a machete, shoot, stabb and slash. And walk of course.