In a large frying pan over medium-high heat, add ground beef and taco seasoning mix or chile peppers; saute until brown. Remove from heat and drain off any fat.
On a large ovenproof platter, spread in layers the refried beans, ground beef, onion, and then the cheddar cheese.
In a microwave or oven, heat just until cheese melts. Remove from oven.
To serve, top with toppings of your choice such as avocado slices, guacamole, sour cream, diced tomatoes, sliced olives, salsa, and/or taco sauce. Serve with corn or tortilla chips.
Makes 4 servings.
* Vary the hotness of the nachos to your taste.
** You can substitute with a variety of different cheeses, such as hot pepper cheese and Monterery Jack cheese.
Beef Nachos Recipe - Layered Nacho Recipe: https://whatscookingamerica.net/Appetizers/LayeredNachoDip.htm