Learning New Facts with QLoRA: An Acquisition-Retention Frontier

Recent literature on fine-tuning Large Language Models highlights a fundamental debate. While Full Fine-Tuning (FFT) provides greater representational plasticity, Low-Rank Adaptation (LoRA) can match or surpass FFT performance while constraining updates to a low-rank space and potentially benefiting from additional regularization. Through empirical evaluation across diverse tasks (SQL, Medical QA, and Counterfactual Knowledge) and varying language models (Gemma-3-1B, Qwen2.5-1.5B, and Qwen2.5-3B), we observe both trends and find that the better static architecture depends on the task and model. Spectral and truncation analyses further show that endpoint compressibility alone does not explain these task differences, suggesting task-score sensitivity and constrained optimization trajectories as possible explanations. To address this challenge, we propose a Mixture of LoRA and Full (MoLF) Fine-Tuning, a unified framework that enables continuous navigation between both training regimes. MoLF dynamically routes updates between FFT and LoRA at the optimizer level to ensure that exact gradient signals are available to both experts throughout training, while only selected experts update their weights. For memory-constrained environments, we also introduce MoLF-Efficient, which freezes base weights and only routes updates among a pair of LoRA experts of potentially varying rank. Our evaluations show that MoLF either improves on or stays within $1.5$ percentage points of the better of FFT and LoRA across the nine tested settings, while MoLF-Efficient outperforms both AdaLoRA and AdaMix in eight of nine settings, with gains over the stronger baseline of up to $11.70$ percentage points on Fact, $3.13$ on Med, and $2.98$ on SQL.

Low-rank adaptation (LoRA) assigns a uniform rank to every adapted weight matrix - a practical convenience that ignores a fundamental reality: different layers contribute unequally to task adaptation. We address this with a lightweight engineering solution: before fine-tuning begins, run eight calibration backward passes, compute the gradient variance of each LoRA-B matrix as a proxy for layer informativeness, and redistribute the rank budget proportionally. The resulting adapter is a standard LoRA with a per-layer rank pattern - no new parameters, no training overhead, no changes to serving infrastructure. We implement this via an efficient approximation of the empirical Fisher Information Matrix (eFIM) diagonal, restricted to LoRA adapter matrices only, which reduces memory cost by approximately 256x compared to full-model Fisher estimation. On GLUE with DeBERTa-v3-base, FIM-LoRA matches LoRA (88.6 vs. 88.7) at the same parameter budget, and on commonsense reasoning with LLaMA-3-8B reaches 68.5 vs. 68.7 for LoRA. The per-layer rank maps are interpretable: value projections and early-to-middle layers consistently receive higher rank, consistent with established findings on transformer layer roles.

Low-Rank Adaptation (LoRA) is a widely used approach to parameter-efficient fine-tuning (PEFT) of LLMs whose effectiveness depends on rank allocation. Existing adaptive LoRA methods derive ranks from local gradient, activation, or matrix statistics collected before or during fine-tuning; training-time variants add overhead, and local signals reveal little about each module's structural role in information propagation, giving weak global grounding for scarce-capacity allocation. We propose IFCLoRA, a topology-aware method for pre-fine-tuning rank allocation and adapter initialization. Using a small calibration set, IFCLoRA performs intervention tracing on the frozen model and constructs a sparse task-conditioned interaction graph over LoRA target modules. From this graph it extracts a global information-flow topology prior and fuses it with each node's local gradient sensitivity to form a topology-dominant Information-Flow Centrality (IFC) score, measuring participation in task-conditioned multi-hop propagation. The IFC scores then serve as module-level routing signals for one-shot discrete rank allocation under a rank-budget constraint. Reusing response vectors from tracing, IFCLoRA constructs a function-preserving flow-response subspace initialization, giving adapters task-relevant output subspaces. Across all settings, IFCLoRA achieves higher mean scores than standard LoRA with comparable fine-tuning time and peak memory; it requires a one-time offline calibration stage. On GSM8K, IFCLoRA attains the highest mean accuracy among compared PEFT methods on both base models, exceeding standard LoRA by 4.75 percentage points on LLaMA-3.1-8B. Resulting rank allocations are non-uniform and vary across tasks and base models, suggesting that task-conditioned global information-flow topology can serve as a useful structural prior for rank allocation in low-budget PEFT.