Cheesy Broccoli without elbow cornbread

1 lb ground beef 1 medium onion , diced 1 garlic clove , minced 3 cups long grain rice , cooked 2 cups frozen chopped broccoli, thawed 2 cups cheddar cheese ,[...]

2 tablespoons butter 2 tablespoons flour 1/4 teaspoon salt 1 dash black pepper 1 1/2 cups milk 1 1/2 cups mozzarella cheese 1/4 teaspoon dried and crushed[...]