<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 6.4a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: /KApo7xRiXgen8uPan1MSaWGiaP9x5B06ZlBvG9wbdnKTy8rtF/5DCsUc3D2Qb0L -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:cef="http://xbrl.sec.gov/cef/2025" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:acif="http://altcif.com/20260128" elementFormDefault="qualified" targetNamespace="http://altcif.com/20260128">
    <annotation>
      <appinfo>
        <link:linkbaseRef xlink:type="simple" xlink:href="acif-20260128_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="acif-20260128_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="acif-20260128_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd" />
    <import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd" />
    <import namespace="http://fasb.org/us-types/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-types-2025.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
    <import namespace="http://xbrl.sec.gov/cef/2025" schemaLocation="https://xbrl.sec.gov/cef/2025/cef-2025.xsd" />
    <import namespace="http://xbrl.sec.gov/cef-pre/2025" schemaLocation="https://xbrl.sec.gov/cef/2025/cef-2025_pre.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2025" schemaLocation="https://xbrl.sec.gov/country/2025/country-2025.xsd" />
    <import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd" />
    <import namespace="http://fasb.org/srt-types/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd" />
    <element id="acif_ClassAMember" name="ClassAMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ClosedEndStructureRiskMember" name="ClosedEndStructureRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_InvestmentRiskMember" name="InvestmentRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_MarketRiskMember" name="MarketRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_DebtSecuritiesRiskMember" name="DebtSecuritiesRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_FixedIncomeInstrumentsRiskMember" name="FixedIncomeInstrumentsRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_SeniorLoansRiskMember" name="SeniorLoansRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_SubordinatedAndUnsecuredOrPartiallySecuredLoansRiskMember" name="SubordinatedAndUnsecuredOrPartiallySecuredLoansRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_LeverageRiskMember" name="LeverageRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_SOFRRiskMember" name="SOFRRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_PublicInvestmentFundsRiskMember" name="PublicInvestmentFundsRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_BDCRiskMember" name="BDCRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_NonTradedBdcRiskMember" name="NonTradedBdcRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ExchangeTradedFundsRiskMember" name="ExchangeTradedFundsRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_PrivateInvestmentFundsRiskMember" name="PrivateInvestmentFundsRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_StructuredProductsRiskMember" name="StructuredProductsRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_CLORiskMember" name="CLORiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_MezzanineSecuritiesRiskMember" name="MezzanineSecuritiesRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_BelowInvestmentGradeInstrumentsRiskMember" name="BelowInvestmentGradeInstrumentsRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_DerivativesRiskMember" name="DerivativesRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ConvertibleSecuritiesRiskMember" name="ConvertibleSecuritiesRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_WhenIssuedSecuritiesAndForwardCommitmentsMember" name="WhenIssuedSecuritiesAndForwardCommitmentsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_RiskOfInvestmentsInEquitySecuritiesOrWarrantsIncidentalToInvestmentsInLoansAndFixedIncomeInstrumentsMember" name="RiskOfInvestmentsInEquitySecuritiesOrWarrantsIncidentalToInvestmentsInLoansAndFixedIncomeInstrumentsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_MediumAndSmallCapitalizationCompanyRiskMember" name="MediumAndSmallCapitalizationCompanyRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_InflationDeflationRiskMember" name="InflationDeflationRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_RegulatoryRiskRegulationAsACommodityPoolMember" name="RegulatoryRiskRegulationAsACommodityPoolMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_CounterpartyRiskMember" name="CounterpartyRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_LenderLiabilityRiskMember" name="LenderLiabilityRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_SpecialSituationsAndDistressedInvestmentsMember" name="SpecialSituationsAndDistressedInvestmentsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_U.S.GovernmentDebtSecuritiesRiskMember" name="U.S.GovernmentDebtSecuritiesRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ForeignInvestmentRiskMember" name="ForeignInvestmentRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_LiquidityRiskMember" name="LiquidityRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_IssuerRiskMember" name="IssuerRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ManagementRiskMember" name="ManagementRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_DependenceOnKeyPersonnelRiskMember" name="DependenceOnKeyPersonnelRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ConflictsOfInterestRiskMember" name="ConflictsOfInterestRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_DistributionPolicyRiskMember" name="DistributionPolicyRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_RepurchasePolicyRisksMember" name="RepurchasePolicyRisksMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_CoInvestmentTransactionsMember" name="CoInvestmentTransactionsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_IncentiveFeeRiskMember" name="IncentiveFeeRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_LegalAndRegulatoryRisksMember" name="LegalAndRegulatoryRisksMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_EventDrivenInvestingMember" name="EventDrivenInvestingMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ValuationRiskMember" name="ValuationRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_PortfolioTurnoverRiskMember" name="PortfolioTurnoverRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_AvailabilityOfInvestmentOpportunitiesCompetitionMember" name="AvailabilityOfInvestmentOpportunitiesCompetitionMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_MaterialRisksOfPrincipalMethodsOfAnalysisMember" name="MaterialRisksOfPrincipalMethodsOfAnalysisMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_MarketDevelopmentsMember" name="MarketDevelopmentsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_MarketDisruptionsFromNaturalDisastersOrGeopoliticalRisksMember" name="MarketDisruptionsFromNaturalDisastersOrGeopoliticalRisksMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_GovernmentInterventionInTheFinancialMarketsMember" name="GovernmentInterventionInTheFinancialMarketsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_AntiTakeoverProvisionsMember" name="AntiTakeoverProvisionsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ComplexTransactionsContingentLiabilitiesGuaranteesAndIndemnitiesMember" name="ComplexTransactionsContingentLiabilitiesGuaranteesAndIndemnitiesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_UncertainTaxTreatmentMember" name="UncertainTaxTreatmentMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_RisksRelatingToTheFundsRICStatusMember" name="RisksRelatingToTheFundsRICStatusMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_RICRelatedRisksOfInvestmentsGeneratingNonCashTaxableIncomeMember" name="RICRelatedRisksOfInvestmentsGeneratingNonCashTaxableIncomeMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ClassCMember" name="ClassCMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ClassIMember" name="ClassIMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_RepurchasePolicyRiskMember" name="RepurchasePolicyRiskMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ClassLMember" name="ClassLMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="acif_ClassWMember" name="ClassWMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
</schema>
