01 - Cook the elbow macaroni according to package instructions until al dente. Drain well and set aside.
02 - In a large pot or Dutch oven over medium heat, add the lean ground turkey. Cook, breaking up the meat, until browned and cooked through, about 5–7 minutes.
03 - Add the diced onion and red bell pepper to the pot. Sauté for 3–4 minutes until softened. Stir in the minced garlic and cook for 1 minute until fragrant.
04 - Sprinkle in the chili powder, ground cumin, smoked paprika, cayenne pepper, salt, and black pepper. Stir to coat the meat and vegetable mixture evenly with the spices.
05 - Add the 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. Add the milk and shredded sharp cheddar cheese. Stir continuously until the cheese is fully melted and the sauce is creamy.
07 - Taste and adjust seasoning if needed. Serve hot, garnished with extra cheddar or fresh herbs if desired.