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 brown.
04 - Add ground turkey to the skillet. Cook, breaking apart with a wooden spoon, until browned completely and cooked through, approximately 5–6 minutes.
05 - Sprinkle chili powder, cumin, smoked paprika, oregano, salt, and black pepper over the turkey. Stir constantly for 1 minute to toast the spices and release their oils.
06 - Add tomato paste and stir continuously for 1 minute to cook out the raw flavor and deepen the color.
07 - Pour in diced tomatoes with their juices, kidney beans, and black beans. Mix well to distribute all ingredients evenly. Simmer for 5 minutes to allow flavors to meld.
08 - Reduce heat to low. Add cooked macaroni, milk, and 1½ cups shredded cheddar to the chili mixture. Stir continuously until cheese is fully melted and sauce is creamy and coats the pasta evenly.
09 - Sprinkle remaining ½ cup cheddar cheese over the surface. Cover with lid and let rest for 2 minutes until cheese is melted and gooey.
10 - Serve immediately while hot. Offer optional toppings of sliced green onions, fresh cilantro, and sour cream on the side.