Creating Cheesy Loaded Meatloaf Casserole is straightforward if you follow these simple steps:

1. Preheat Oven: Begin by preheating your oven to 350°F (175°C).
2. Prepare Baking Dish: Grease a 9×13-inch baking dish or spray it with non-stick cooking spray.
3. Mix Ground Meat: In a large mixing bowl, combine the ground beef (or turkey) with breadcrumbs, eggs, Worcestershire sauce, Italian seasoning, salt, and pepper. Mix until well combined.
4. Add Vegetables: Stir in the chopped onion, bell pepper, carrots, and minced garlic into the meat mixture. Ensure they are evenly distributed.
5. Incorporate Cheese: Fold in the shredded cheddar cheese and half of the grated Parmesan cheese into the mixture for cheesy goodness.
6. Shape Mixture: Transfer the meat mixture to the prepared baking dish. Shape it into an even loaf that fits the dish.
7. Add Marinara Sauce: Spread your marinara sauce evenly over the top of the meatloaf for flavor and moisture.
8. Bake: Place the casserole in the preheated oven and bake for 50-60 minutes. The internal temperature should reach 160°F (71°C).
9. Add Topping: During the last 10 minutes of baking, sprinkle the remaining Parmesan cheese and any additional cheese of your choice on top to create a golden, bubbly layer.
10. Rest: Once finished, remove the casserole from the oven and let it rest for 10 minutes before slicing.

Following these steps will help you create a Cheesy Loaded Meatloaf Casserole that is not only incredible but also a delightful addition to your dinner table.