01 - 
                Preheat the oven to 375°F. Lightly grease a mini muffin pan or a regular muffin tin with nonstick cooking spray or oil.
              
              
              
                02 - 
                In a large mixing bowl, combine ground beef, breadcrumbs, milk, egg, finely chopped onion, garlic powder, onion powder, salt, black pepper, and ketchup. Mix until just incorporated.
              
              
              
                03 - 
                Spoon approximately one tablespoon of the meat mixture into each prepared muffin cup and press to form a base. Place a small cube or spoonful of cheddar cheese in the center of each, then top with additional meat mixture, pressing edges to thoroughly seal the cheese inside.
              
              
              
                04 - 
                Spoon a small amount of ketchup on top of each portion, if desired.
              
              
              
                05 - 
                Transfer to the oven and bake for 20 to 25 minutes, or until the bites are cooked through and the internal temperature reaches 160°F, with cheese melted inside.
              
              
              
                06 - 
                Allow to rest in the pan for 5 minutes. Gently remove the bites and serve warm as an appetizer or main with preferred side dishes.