Cook the elbow macaroni according to package directions until al dente, then drain.
In a large pot over medium heat, sauté the chopped onion until translucent, about 5 minutes.
Add minced garlic and cook for an additional minute until fragrant.
Stir in ground turkey, cooking until browned and fully cooked, about 7-10 minutes.
Add chili powder, cumin, salt, and pepper, stirring to coat the meat and onions evenly.
Incorporate the kidney beans, diced tomatoes (with juice), and cooked macaroni, mixing well.
Pour in the milk and half of the shredded cheese, stirring until well combined and heated through.
Taste and adjust seasoning if necessary, then sprinkle the remaining cheese on top.
Cover and let it simmer for 5 minutes until the cheese melts and everything is heated.
Serve hot, topped with additional cheese or fresh herbs if desired.