Directions

1. 1. Preheat the oven to 375 degrees F.
2. 2. Brown the ground beef in a skillet over medium heat. Use a spatula or fork to crumble the beef into small pieces as it cooks. When you no longer see pink in the meat drain off the fat.
3. 3. To the meat, add the chili powder, salt, dried onion, paprika, and water. Simmer over medium low heat for 10 minutes.
4. 4. If you are going to prepare your own tortilla chips do that following the instructions in "Tidbits" while the meat is simmering.
5. 5. Heat the refried beans in a small saucepan over low heat or in the microwave for about 2 minutes. Mix the two cheeses together in a small bowl.
6. 6. Arrange the tortilla chips on a baking sheet or an oven-safe ceramic plate. Spread some of the refried beans on each chip.
7. 7. Sprinkle some of the cooked hamburger onto the beans pressing down on the beef to make a flat surface for the cheese.
8. 8. Carefully pile a small handful of cheese on each chip; sprinkle a pinch of the diced onion over the cheese; place a slice of jalapeno on top of the onion.
9. 9. Bake the chips for 8 to 10 minutes or until the cheese has melted.
10. 10. Serve with your choice of sour cream, guacamole or salsa on the side.