Preheat oven to 375°F, grease a 9×13 inch dish.
Season beef with garlic, onion powders, salt, pepper; form 6 patties.
Brown patties in a skillet; set aside.
Whisk 1 cup milk with flour in skillet, add remaining milk to form gravy.
Layer half potatoes and onions in dish, top with patties, remaining potatoes, onions, then gravy.
Cover, bake 1 hour. Uncover, add cheese, bake 15 minutes until bubbly.
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