Set a large deep pot over medium heat. Add the beef or turkey. Break it up and cook until browned, about 5 to 7 minutes. Spoon off extra fat if needed.
Add the onion and cook until it softens, about 3 minutes. Stir in the garlic for 30 seconds until fragrant.
Sprinkle in chili powder cumin and smoked paprika. Stir so the spices coat the meat.
Pour in the diced tomatoes with juices and the broth. Stir in the beans and the dry elbow macaroni. Season with a pinch of salt and a few grinds of pepper.
Bring to a steady simmer. Cover and cook, stirring once or twice, until the pasta is just tender, about 10 minutes. If the pot looks dry splash in a little more broth or water.
Turn off the heat. Stir in the cheddar and Monterey Jack until creamy and smooth.
Taste and adjust salt and pepper. Let the pot rest for 2 minutes to thicken. Serve hot with scallions jalapeno and a small spoon of sour cream if you like.