For the Chili:

• 1 pound elbow macaroni
• 1 tablespoon olive oil
• 1 pound ground beef
• 1 medium onion (chopped)
• 3 cloves garlic (minced)
• 1 red bell pepper (chopped)
• 1 can diced tomatoes (14.5 ounces)
• 1 can tomato sauce (15 ounces)
• 1 can kidney beans (15 ounces, drained and rinsed)
• 1 can black beans (15 ounces, drained and rinsed)
• 1 tablespoon chili powder
• 1 teaspoon ground cumin
• ½ teaspoon smoked paprika
• 1 teaspoon salt
• ½ teaspoon black pepper

For the Cheese Sauce:

• 2 cups shredded cheddar cheese
• 1 cup shredded Monterey Jack cheese
• ½ cup milk

For Garnish:

• Chopped green onions or fresh cilantro (optional)