01 - Cook macaroni according to package directions until al dente. Drain thoroughly and set aside.
02 - Heat olive oil in a large skillet or Dutch oven over medium heat. Add diced onion and bell pepper; sauté for 3–4 minutes until softened and fragrant.
03 - Stir in minced garlic and cook for 1 minute until aromatic, being careful not to burn.
04 - Add ground turkey to the skillet. Cook, breaking up with a wooden spoon, until browned and cooked through, approximately 5–6 minutes.
05 - Sprinkle in chili powder, cumin, smoked paprika, oregano, salt, and black pepper. Stir constantly for 1 minute to toast spices and release their oils.
06 - Add tomato paste and stir for 1 minute to deepen flavor and caramelize slightly.
07 - Pour in diced tomatoes with their juice, drained kidney beans, and black beans. Mix thoroughly to combine all ingredients. Let the mixture simmer for 5 minutes to meld flavors.
08 - Reduce heat to low. Add cooked macaroni, milk, and 1½ cups shredded cheddar cheese. Stir continuously until cheese is completely melted and sauce is creamy and evenly distributed.
09 - Sprinkle remaining ½ cup cheddar cheese over the top. Cover and let stand for 2 minutes until cheese is melted and gooey.
10 - Serve immediately while hot. Offer optional toppings including sliced green onions, fresh cilantro, and sour cream on the side.