Cook macaroni in salted boiling water until al dente. Drain.
In a large skillet, brown ground beef over medium heat.
Add onions, bell peppers, and garlic. Sauté until softened.
Stir in chili powder, cumin, smoked paprika, salt, and pepper.
Add diced tomatoes, tomato sauce, kidney beans, and black beans.
Simmer for 10–15 minutes until sauce thickens.
Reduce heat and stir in cooked pasta.
Mix in 1 cup shredded cheddar cheese and milk.
Transfer to a baking dish, sprinkle remaining cheese on top.
Bake at 350°F (175°C) for 10 minutes until cheese melts.
Serve warm and enjoy!