Hai, this is very well draw from the neck down I find.The only problem ithat is a possibly making this person seem not porportionate s the head is a bit to small for the rest of the body. The coloring is well done but could use soem shadows and the hair on the head may want to be a bit bigger to make the forhead look more natural. I would say this drawinf is a 6/10 but I'm sure you will keep improving. Also one other side note the hands need some work, the problemwith hand is that they are usally the hardest to draw I find. Good luck and keep up the good work.
The head is actually...too big for the body! Compared to the rest of the human body, heads are actually incredibly small. The shoulders and ribcage at their widest are about the size of two heads; this lady's ribcage is only about as wide as her head, which means she doesn't have enough room for her organs! Either shrinking down her head or widening out her shoulders and ribs (or both, if that's how you want to do it!) would help even things out. Similarly, slimming her neck down would really help with making it look proportionate; while necks are about the same width as your skull, they are also very curvy. Having her neck curve inward slightly in the middle creates a more elegant, slimmer-looking neck. You can play around with just how wide her neck is, to give her her own distinct body type compared to your other characters (some peoples' necks are thicker, some thinner, but all within the same range excluding outliers like body builders or long-necked models for example).
Her torso and waist are really long, too; your waist begins at the bottom of your rib cage, and follows the lines of your muscles down to your hips. I'd suggest finding a few references (especially skeletons!) to find a good balance for the torso length. I still make my torsos too long sometimes, so I know how hard it can be to make them right! Her left thigh (our right) is also too short; trying to gauge roughly without seeing her feet, I'd say her knees should line up arooooound the lowest wrinkle on her right leg (our left). Again, that's very rough, because her feet aren't included, and some of the other proportions are throwing it off a little. Just remember that your leg-bones are very long! Your legs make up roughly half of all your height, and your femur and shins are about the same size. Here's a picture of a skeleton, just to see how long legs are compared to everything else! [link]
I'm not so great with clothes folds and whatnot myself, but I remember making the same mistakes when I was just starting out! Her clothes don't have any reasons to be folding the way that they are; if her jeans are baggy, they should be pulled fairly straight by gravity, except for where her leg is bent. There might be some small folds or wrinkles around her hips or knees if she's walking, but that's about it, I think. For tighter clothes, there can be more wrinkles, because the material is going to be more affected by movement. Around the hips and knees will get the most amount, but I think it's plausible for there to be small folds on the upper and lower thighs especially because the material will stretch and loosen in small amounts as she moves, especially in sitting and standing. But for the most part, unless her jeans are wrinkly from the dryer, only high-movement areas (hips, knees, ankles) are going to need a lot of lines. Ill-fitting things (just a little too loose) or different materials will have more wrinkles in different places, but I don't know nearly enough about that kind of thing to say what! Also, even in baggy jeans, the crotch of the pants will usually form against the shape of the body; it'll have a much flatter or gently rounded shape. I'd suggest looking at some pictures of ladies wearing the kinds of jeans you're drawing, just to see what I mean. I hope that doesn't sound obscene
I don't know enough about shirt wrinkles or anything about jackets! So a reference would probably be best for those. Just looking at the t-shirt I'm wearing now, there are wrinkles around the shoulders, the sleeves have little waves in them, there are folds around my chest, and around the hem, where it gets scrunched up from my movements, especially when I sit and stand. So I guess that's kind of a super rough idea of what to look for, but. Hurm. As to how to DRAW folds well, deviantart has a lot of really helpful tutorials for clothing in terms of details, styles, and stuff like that. So I'd definitely suggest checking those out!
This isn't nearly as important, but just as an aside: not being able to erase well tends to distract the viewer's eye! I keep going to the faint lines, instead of to the subject. See if your scanner will allow you to adjust the contrast and brightness levels of your picture to get rid of them, or download a graphics program (like the gimp or paint.net, both of which are free) to be able to edit out some of that stuff. Again, not such a big deal, but not having the erased lines in the background would really add a level of quality to your pictures.
I hope this wasn't too long or didn't sound too stuffy and harsh! D: Good luck!