To qualify for debt relief in San Diego, specific requirements may vary depending on the chosen debt relief option. For debt consolidation loans through lenders like SoFi, Upstart, or United Debt Relief, you generally need a minimum credit score, typically around 300 to 650, depending on the lender. For debt management and debt settlement programs, you must demonstrate financial hardship, the inability to make minimum monthly payments, and a willingness to work with credit counseling agencies or professional negotiators. Bankruptcy eligibility depends on various factors, including income, expenses, and the type of bankruptcy you intend to file. It's crucial to consult with professionals, credit counselors, or legal advisors to determine your eligibility and the most suitable debt relief option based on your unique financial situation.