Fine-Tuning Without Forgetting via Loss-Adaptive Learning Rates

Models trained on a new task typically degrade on prior tasks, a phenomenon known as forgetting. Traditionally, mitigating forgetting has required replaying stored exemplars from prior tasks, which is often impractical. By contrast, language models can sample from their own training distribution, and we show that these self-generated samples serve as effective replay data, nearly eliminating forgetting. We find that forgetting nonetheless persists when the model has little remaining capacity: models pretrained close to saturation cannot absorb new information without overwriting prior knowledge. When capacity is not the limiting factor, low learning rates reduce forgetting but require substantially more training steps. Replay breaks this tradeoff, enabling fast, high-learning-rate finetuning without forgetting.

Adapting language models (LMs) to new tasks via post-training carries the risk of degrading existing capabilities -- a phenomenon classically known as catastrophic forgetting. In this paper, toward identifying guidelines for mitigating this phenomenon, we systematically compare the forgetting patterns of two widely adopted post-training methods: supervised fine-tuning (SFT) and reinforcement learning (RL). Our experiments reveal a consistent trend across LM families (Llama, Qwen) and tasks (instruction following, general knowledge, and arithmetic reasoning): RL leads to less forgetting than SFT while achieving comparable or higher target task performance. To investigate the cause for this difference, we consider a simplified setting in which the LM is modeled as a mixture of two distributions, one corresponding to prior knowledge and the other to the target task. We identify that the mode-seeking nature of RL, which stems from its use of on-policy data, enables keeping prior knowledge intact when learning the target task. We then verify this insight by demonstrating that the use on-policy data underlies the robustness of RL to forgetting in practical settings, as opposed to other algorithmic choices such as the KL regularization or advantage estimation. Lastly, as a practical implication, our results highlight the potential of mitigating forgetting using approximately on-policy data, which can be substantially more efficient to obtain than fully on-policy data.

Learning rate scheduling has evolved from the single global fixed rate of early SGD to sophisticated layer-wise adaptive strategies. We systematize this evolution into five generations: (Gen1) global fixed learning rates, (Gen2) global scheduling, (Gen3) parameter-level adaptation, (Gen4) layer-level differentiation, and (Gen5) joint layer-time scheduling. We trace the fundamental motivation behind each transition, showing how the shift from one-size-fits-all to tailoring by layer and time addresses the impossible trinity of transfer learning: lower layers require small updates to preserve general knowledge while higher layers need large updates to adapt to new tasks. Building on this taxonomy, we propose Discriminative Adaptive Layer Scaling (DALS), a unified framework that integrates phase-adaptive cosine scheduling, depth-aware Grokfast gradient filtering, and LARS-style trust ratios into a single coherent optimizer. We benchmark 18 strategies including three DALS variants across all five generations on five datasets: synthetic, CIFAR-10 (from scratch), RTE, TREC-6, and IMDb (fine-tuning). On synthetic, DALS achieves the best accuracy at 98.0%, while DALS-Fast reaches 90% in just 3 epochs. The cross-dataset analysis reveals striking regime-dependent patterns -- no single strategy wins across all regimes. Critically, STLR+Discriminative, the ULMFiT champion, catastrophically fails on from-scratch tasks (43.6% on TREC-6 from scratch vs. 96.8% with RAdam), confirming that directional decay biases are harmful without pretrained features. DALS avoids either extreme, achieving the best synthetic result while maintaining competitive fine-tuning performance.