To fine-tune large language models (LLMs) over private data, federated learning (FL) has emerged as a promising paradigm. However, the prohibitive memory and communication demands of LLMs render standard FL impractical for resource-constrained edge devices. While split federated learning (SFL) alleviates the computing burdens via model partitioning, existing frameworks still suffer from communication bottlenecks and straggler problem due to the parameter aggregation process. To address these challenges, we propose FlexP-SFT, a novel aggregation-free framework for personalized split federated fine-tuning, which fundamentally eliminates the client-side aggregation process. Crucially, to ensure robust training in the absence of global synchronization, we introduce a layer-flexible alignment strategy to balance personalization and generalization capabilities. We further formulate split-ratio selection as a resource-aware discrete optimization problem that jointly accounts for personalization accuracy and system cost. Our proposed scheme simultaneously enhances personalized performance, reduces communication overhead, and resolves the straggler problem. Extensive results show that FlexP-SFT substantially outperforms baselines in both accuracy and latency, and that the optimized split ratio achieves a better resource-accuracy trade-off than static or memory-only choices.

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