How to resolve System.NullPointerException: Attempt to de-reference a null object

Here is my controller and its test class.

public class SendEligibilityFileDetailsToProductCtrl {
    public SendEligibilityFileDetailsToProductCtrl(ApexPages.StandardController stdController) {
    }
    public PageReference SendEligibilityFileDetailsToProduct(){
        String eligibilityFileId = ApexPages.currentPage().getParameters().get('id');
        String environmentCode = 'bst';
        Eligibility_File__c eligibilityFile = [Select Id, Name, Eligibility_File_Name__c, Product_Response__c,ProgramList__c from Eligibility_File__c Where Id = :eligibilityFileId Limit 1];
        System.debug('Eligibility-->:' +eligibilityFile);
        string eligibilityFileAPIDetails = Utility.getServiceURLFromEnvironmentSettings(environmentCode) + 'EligibilityFile';
        String tokenHeader = Utility.getTokenFromEnvironmentSettings(environmentCode);
        EligibilityFileDTO eligibilityFileDTO = new EligibilityFileDTO();
        eligibilityFileDTO.FileName = eligibilityFile.Eligibility_File_Name__c;
        eligibilityFileDTO.Version = eligibilityFile.Name;
         // Custom Setting 
       EligiblityFileProductDetails__c CustomSetting = EligiblityFileProductDetails__c.getvalues(eligibilityFile.ProgramList__c);   
        System.debug('CustomSetting -->>'+CustomSetting);
        if(eligibilityFile.ProgramList__c != Null ){
            System.debug(eligibilityFile.ProgramList__c);
          eligibilityFileDTO.ProgramList = CustomSetting.ProgramList__c;         
           System.debug(eligibilityFileDTO.ProgramList);
        }    
          System.debug('Value of eligibilityFileDTO:'+eligibilityFileDTO) ;
        System.debug('Endpoint: ' + eligibilityFileAPIDetails);
        HttpRequest req = new HttpRequest();
        req.setHeader('Content-Length', '0');
        req.setHeader('Content-Type', 'application/json');
        req.setHeader('Authorization', tokenHeader);
        req.setEndpoint(eligibilityFileAPIDetails);
        req.setMethod('POST');
        String requestBody = JSON.serialize(eligibilityFileDTO).replace('\\','').replace('"[{','[{').replace('}]"','}]');
        System.debug('requestBody >>> ' + requestBody);
        req.setBody(requestBody);
        Http http = new Http();
        req.setTimeout(120000);
        try{   
            String jsonstr = '';
            HTTPResponse respns = http.send(req);
            if (respns.getStatusCode() != null && respns.getStatusCode() == 401) {
                System.debug('Error Occured>>>');
                tokenHeader = Utility.getToken(environmentCode);
                req.setHeader('Authorization', tokenHeader);
                respns = http.send(req);
                System.debug('Response >>> '+ respns );
                jsonstr = respns.getBody();
                Utility.updateTokenForEnvironmentSettings(environmentCode, tokenHeader);
            }else{
                jsonstr= respns.getBody();      
            }
            System.debug('Response >>> ' + jsonstr);
            //hcpDetails = (HCPDetails)JSON.deserialize(jsonstr, HCPDetails.class);
            //System.debug(hcpDetails);
            eligibilityFile.Product_Response__c = jsonstr;
        }catch (System.NullPointerException e){
            System.debug('The following exception has occurred: ' + e.getMessage());
            //message = 'The following exception has occurred: ' + e.getMessage();
            eligibilityFile.Product_Response__c = e.getMessage();
        }
        update eligibilityFile;
        PageReference pr = new PageReference('/' + eligibilityFileId);
        pr.setredirect(true);
        return pr;
    }
    public class EligibilityFileDTO{
        public String FileName {get;set;}
        public String Version {get;set;}
        public String ProgramList {get;set;}
    }
}

Test Class

@isTest
private class SendEligibilityFileDetailsTest{
    @isTest
    static void testSendEligibilityFileDetailsToProduct() {
        // Create test data
        Eligibility_File__c eligibilityFile = new Eligibility_File__c(
            Eligibility_File_Name__c = 'Test Eligibility File Name',
            ProgramList__c = 'Only DeRx'
        );
        insert eligibilityFile;
        String environmentCode = 'adapt';
        String tokenHeader = 'fakeTokenHeader';
        String serviceURL = 'https://test.service.com/';
        Test.setMock(HttpCalloutMock.class, new MockHttpResponseGenerator());
        Utility.getEnvironmentCode(environmentCode);
        Utility.getTokenFromEnvironmentSettings(tokenHeader);
        Utility.getServiceURLFromEnvironmentSettings(serviceURL);        
        ApexPages.currentPage().getParameters().put('id', eligibilityFile.Id);
        // Set up mock HTTP response
        HttpResponse mockResponse = new HttpResponse();
        mockResponse.setStatusCode(200);
        mockResponse.setBody('{}');
        // Set up mock HTTP callout
   //     Test.setMock(HttpCalloutMock.class, new MockHttpResponseGenerator(mockResponse));
        // Create controller and call method under test
        ApexPages.StandardController stdController = new ApexPages.StandardController(eligibilityFile);
        SendEligibilityFileDetailsToProductCtrl controller = new SendEligibilityFileDetailsToProductCtrl(stdController);
        controller.SendEligibilityFileDetailsToProduct();
        SendEligibilityFileDetailsToProductCtrl.EligibilityFileDTO first = new  SendEligibilityFileDetailsToProductCtrl.EligibilityFileDTO();
        first.ProgramList='Only DeRx';
        EligiblityFileProductDetails__c custsetting = new EligiblityFileProductDetails__c();
        custsetting.ProgramList__c = first.ProgramList;
        // Verify that the eligibility file was updated
        eligibilityFile = [SELECT Product_Response__c FROM Eligibility_File__c WHERE Id = :eligibilityFile.Id];
        System.assertEquals('{}', eligibilityFile.Product_Response__c);
    }
        // Mock HttpResponseGenerator class for HTTP callouts
    private class MockHttpResponseGenerator implements HttpCalloutMock {
        public HTTPResponse respond(HTTPRequest req) {
            HTTPResponse res = new HTTPResponse();
            res.setStatusCode(200);
            res.setBody('{"result": "success"}');
            return res;
        }
    }
    @isTest
	static void testMyHttpRequest() {
    // Set up mock response
    Test.setMock(HttpCalloutMock.class, new MockHttpResponseGenerator());
    // Create HttpRequest and set headers
    HttpRequest req = new HttpRequest();
    req.setHeader('Content-Length', '0');
    req.setHeader('Content-Type', 'application/json');
    req.setHeader('Authorization', 'myToken');
    req.setEndpoint('https://myendpoint.com');
    req.setMethod('POST');
    // Create request body
    String requestBody = '{"name": "John"}';
    req.setBody(requestBody);
    // Send HTTP request
    Http http = new Http();
    HTTPResponse res = http.send(req);
    // Verify response
    System.assertEquals(200, res.getStatusCode());
    System.assertEquals('{"result": "success"}', res.getBody());
}
}