Cook ground beef and onions until there is no pink left in the beef. Drain off the fat.
Add in hot water, taco seasoning, and black beans and cook until most of the water has evaporated.
Spread tortillas chips out evenly onto a sheet pan. Be sure to cover the pan really well and leave no open gaps.
Sprinkle a layer of shredded cheese over the chips then pour the beef mixture evenly over the chips. Top with the rest of the cheese and put the pan into the oven.
Once the cheese is bubbly, remove it from the oven, add desired toppings, and serve!
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