01 - Cook macaroni according to package instructions until al dente. Drain and set aside.
02 - While pasta cooks, heat olive oil in a large skillet or Dutch oven over medium heat. Add onion and bell pepper; sauté 3–4 minutes until softened.
03 - Add garlic and cook for 1 minute until fragrant.
04 - Add ground turkey; cook, breaking up with a spoon, until browned and cooked through, about 5–6 minutes.
05 - Stir in chili powder, cumin, smoked paprika, oregano, salt, and black pepper. Cook for 1 minute until fragrant.
06 - Add tomato paste and cook for 1 minute more to develop flavor.
07 - Pour in diced tomatoes with juice, kidney beans, and black beans. Stir to combine and simmer for 5 minutes.
08 - Reduce heat to low. Add cooked macaroni, milk, and 1½ cups shredded cheddar. Stir until cheese is melted and mixture is creamy.
09 - Sprinkle remaining ½ cup cheddar over the top. Cover and let sit until cheese is melted, about 2 minutes.
10 - Serve hot, garnished with green onions, cilantro, and sour cream if desired.