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Hi,I'm Zoey.I've reviewed your post. Please be patient as I may need to research for you, and it also takes time to compose and type a reply.
You are likely to be over-income eligible. Public defenders are for indigent defendants. Every jurisdiction determines eligibility somewhat differently, but in general, your household income has to be at or below poverty level.
If you have assets that can be borrowed against, or credit available to you, in my experience, though you can ask for a public defender a judge will want you to retain private counsel. There are, of course, exceptions and there are no hard and fast rules. If the judge thinks you earn too much money but your funds are all allocated and you know you can barely make ends meet, you could ask for an indigency hearing to document your present financial state and show why paying for counsel would cause you severe financial hardship.
Just checking in to see if you need more help or any clarification of my answer. If so, please reply here on this question thread.