Hey, I’m a HUGE fan of The MMORPG Toontown, and I was wondering how you make 3-D characters for a game? 
To make a 3-D character, you need 3-D modeling software. Maya and 3DSMax seem to be the big names, but they can be expensive. there is a discussion on free modeling software here:
https://discourse.panda3d.org/viewtopic.php?t=600
Once you make your model in the software of your choice, you can convert it into egg format so that panda can properly load it. You do this by using some of the egg converters that come with the panda download. Panda can’t support every modeling software out there, so if you are planning to use your model in panda, make sure that you choose one that is supported by panda. Or you could try making a converter of your own