Cook macaroni according to package instructions; drain and set aside.

In a large skillet over medium heat, sauté onion and garlic until fragrant (about 3-4 minutes).

Add ground meat and cook until browned; crumble for even texture.

Stir in chili beans, crushed tomatoes, cumin, chili powder, diced bell pepper, salt, and pepper. Simmer for about 10 minutes.

Combine cooked macaroni with meat mixture; gradually stir in cheddar cheese until melted and creamy.

Serve hot with optional toppings of extra cheese or fresh herbs.