To download the Blend file, click here :
For full instructions, please read the similar post concerning the male template.
Textures are included for you to have a base to paint on.
To open the file with your own ui, first open Blender 2.79 then go to the File menu > open > Browse and click once on "Female40k2.0.Blend"
Then, at bottom left of your screen uncheck "load ui" before clicking "Open"
When I was down to 43k, I gave up, I could not find anything else to collapse on the body. So, I decimated the teeth and nails to finish.
Here is a thumbnail picture you can use when uploading your avatar to Sansar, until you make your own :