Low-cost Full Fine-tuning: Learning What to Update for LLMs
Li, Yaming Guo, Shenghao Gao, Xinlong Chen, Zuhao Xu, Ying Sun, Chao Wang, Hui Xiong
Abstract
While Large language models (LLMs) have strong abilities, they generally rely on fine-tuning to supplement downstream task-specific knowledge. Due to the prohibitive memory overhead of full fine-tuning (FT), existing parameter-efficient fine-tuning techniques, e.g., LoRA and Adapters, update parameters only in low-rank or restricted subspaces. However, they fail to approximate FT---the performative fine-tuner---and risk performance degradation in tough tasks. Therefore, we naturally raise a *Low-cost Full Fine-tuning* question: Can we approach standard full fine-tuning in theory, yet with much lower costs in practice? Our key insight is that performing selective updates at each step can, theoretically, recover FT asymptotically, while being cost-effective and ignoring no parameter direction. This motivates a new general fine-tuning paradigm (called *Think-Touch*): we first predict potentials of parameter groups (*think*) and then update only the selected (*touch*) in one step. Theoretically, we show that under a very weak sufficient condition---divergence of the cumulative coverage of the expected gradient norm---any selection strategy can converge in the full-parameter space to a stationary point at which the FT admits no further first-order improvement. Besides, we further derive the general convergence rate for our paradigm and identify a post-hoc greedy strategy that is rate-optimal. Unfortunately, this strategy cannot be directly applied in practice due to its reliance on full and accurate gradient information. Thus, we propose a bandit-based method to online approximate this ideal strategy in the long run with a rigorous regret guarantee. Extensive experimental results on various tasks demonstrate the potential of our paradigm, including much lower space overheads against FT and better performance than LoRAs.
BibTeX
@inproceedings{
li2026lowcost,
title={Low-cost Full Fine-tuning: Learning What to Update for {LLM}s},
author={Jin Li and Yaming Guo and Shenghao Gao and Xinlong Chen and Zuhao Xu and Ying Sun and Chao Wang and Hui Xiong},
booktitle={Forty-third International Conference on Machine Learning},
year={2026},
url={https://openreview.net/forum?id=HXrSe2LYFc}
}