In a large skillet or Dutch oven, brown the ground beef and onion. Season with salt and pepper. Add the garlic once it’s almost done cooking so it doesn’t burn.
Once the meat is browned add the broth, diced tomato, tomato sauce, beans, macaroni, cumin, chili powder, and oregano.
Bring to a simmer and cook until the sauce is thick and the macaroni is al dente, about 12 minutes, stirring frequently to keep from burning on the bottom.
Remove from heat and stir in the cheese.
Serve, topping with frito chips, sour cream, cilantro, and more shredded cheese if desired.