01 - Prepare elbow 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 lean ground turkey to the skillet. Cook, breaking apart with a wooden spoon, until browned and completely cooked through, approximately 5-6 minutes.
05 - Sprinkle chili powder, cumin, smoked paprika, dried oregano, salt, and black pepper over the turkey. Stir constantly for 1 minute to toast the spices and release their flavors.
06 - Add tomato paste and continue cooking for 1 minute, stirring to combine thoroughly with the meat mixture.
07 - Pour in diced tomatoes with their juices, drained kidney beans, and black beans. Mix well and let the mixture simmer for 5 minutes to allow flavors to meld.
08 - Reduce heat to low. Add the cooked macaroni, milk, and 1½ cups shredded cheddar cheese. Stir continuously until the cheese is completely melted and the sauce becomes creamy and coats the pasta.
09 - Sprinkle the remaining ½ cup of cheddar cheese evenly over the top. Cover the skillet and let stand for about 2 minutes until the cheese is fully melted and bubbly.
10 - Serve the chili mac immediately while hot. Garnish generously with sliced green onions, fresh cilantro, and a dollop of sour cream if desired.