1 t oil 2 cloves garlic ( chopped ) 1 onion ( diced ) 14.5 oz. 3/4 c white beans ( rinsed ) 3/4 c kidney beans ( rinsed ) 2 tsp chili powder 1 1/2 tsp. cumin 10 oz. elbow mac ( uncooked ) 6 oz. velveeta cheese ( cubed ) 3/4 c cheddar cheese ( grated )