Cook the elbow macaroni according to package instructions until al dente.
In a large skillet, brown the ground beef over medium heat until fully cooked.
Drain excess fat from the skillet and return to heat.
Add the kidney beans, diced tomatoes, and chili seasoning to the beef.
Stir and let simmer for about 10 minutes.
In a separate pot, heat the milk and half of the cheddar cheese until melted.
Combine the cooked macaroni with the beef chili mixture.
Pour the cheese sauce over the macaroni and chili, mixing well.
Top with remaining cheddar cheese and cover until melted.
Serve hot, garnished with optional toppings.