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Preheat the oven to 350F.
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Cook the elbow macaroni according to package directions.
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In a large non-stick skillet, heat olive oil over medium heat.
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Add the onion and cook for about 5 minutes, until tender.
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Add in the garlic and cook for a minute longer.
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Stir in the ground beef, brown drain fat Sprinkle flour over the meat and cook for a minute or two.
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Add garlic powder, chili powder, and paprika, salt and pepper stir to combine
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Pour in tomatoes and simmer on low for about 5 minutes.
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Stir meat mixture into pot with cooked, drained elbow pasta
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Add sour cream, milk and shredded sharp cheddar cheese and Panko bread crumbs. Stir to combine.
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Pour the mixture into a large casserole dish. Top with Monterrey Jack cheese and
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bake for about 20-25 minutes or until the cheese is melted and bubbly.