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Why not just make cocoa from real milk and cocoa powder? We microwave a small amount of milk or water with a spoonful of cocoa (or grated baking chocolate) for 20-30 sec until it dissolves (stir) then fill it up with milk and heat it and stir again, add sugar to taste (or not). Cocoa made with powdered milk does not taste nearly as good. The powdered creamer may be added to commercial mixes to save costs. You can also add vanilla or cinnamon.
You have several choices: