01 - Prepare the elbow macaroni according to package directions until al dente. Drain and set aside.
02 - Heat a large pot over medium heat. Add ground turkey, breaking it apart while cooking until fully browned, approximately 5 to 7 minutes.
03 - Add diced onion and red bell pepper to the pot. Cook for 3 to 4 minutes until softened, then stir in minced garlic and cook for an additional minute.
04 - Incorporate chili powder, cumin, smoked paprika, cayenne pepper (if desired), salt, and black pepper. Stir to evenly coat the mixture.
05 - Pour in diced tomatoes with juice, kidney beans, black beans, and chicken broth. Bring to a simmer, reduce heat, and cook for 10 minutes, stirring occasionally.
06 - Stir in the cooked macaroni, then add milk and shredded cheddar cheese. Mix until the cheese is fully melted and the sauce achieves a creamy consistency.
07 - Taste and adjust seasoning as needed. Serve warm, optionally garnished with additional cheddar or fresh herbs.