I am in the process of applying for ILR-10 year rule, is it essential to submit 28 days before you get to your 10 year limit? I am currently 10 years and 3 weeks so 3 weeks past the 10year!, please help

Iam in the process of applying for ILR having been in the uk for 10 years as a student from Kenya. I entered the UK on the 19 Dec 1998 on a student visa, I have always been renewing my visa since then apart from once in 2006 when I was refused an extension based on my attendance. Anyway on appeal I ...