PEFT How to use xmindai/xm-phi-stfRL with PEFT:
from peft import PeftModel
from transformers import AutoModelForCausalLM
base_model = AutoModelForCausalLM.from_pretrained("unsloth/Phi-4")
model = PeftModel.from_pretrained(base_model, "xmindai/xm-phi-stfRL") 
