LoRA & PEFT Fine-Tuning Configuration AdvisorPREMIUM

## CONTEXT
Parameter-efficient fine-tuning (PEFT) with LoRA or QLoRA makes fine-tuning affordable on modest hardware, but the configuration knobs (rank, alpha, target modules, learning rate, quantization) heavily affect results. In 2026 most fine-tunes use PEFT, and getting the config right is the difference between a…