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How Small Can You Go? A Controlled Study of LoRA Rank, Target Modules, and Quantization Trade-offs for Text-to-SQL on a 60M-Parameter Model

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Parameter-efficient fine-tuning (PEFT) and low-bit quantization are now standard tools for adapting language models under tight compute budgets, yet their interaction is most often studied on billion-parameter models where the design space is expensive to explore. We ask a complementary question: on a specific, fully reproducible 60M-parameter encoder-decoder model (T5-small) and a single-table text-to-SQL benchmark (WikiSQL), how much task accuracy does each efficiency knob actually cost?

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