The difference between FP16 Kaggle (14.8 GB VRAM) settings vs BF16 24GB GPU VRAM settings are huge when doing Stable Diffusion XL (SDXL) DreamBooth training with text encoder But still Kaggle is totally free and you can do 7 full trainings every week — 30 hours
Kaggle notebook (includes best config auto downloaded) is here : https://www.patreon.com/posts/kohya-sd-1-5-88397937
Full tutorial hopefully soon on SECourses : https://www.youtube.com/SECourses
Kaggle