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Preheat oven to 375 degrees F. Tear a piece of aluminum foil large enough to loosely wrap the whole bread.
Using a serrated knife, make a series of parallel cuts in the bread about 1-inch apart and about 2-inches deep. Then rotate the bread and cut it in the opposite direction until you end up with a crisscross pattern (see photo). Place the bread on the foil, and set aside.
In a medium bowl, combine remaining ingredients except queso cotija cheese; mix well. Evenly spread cream cheese mixture into all the bread cuts, being careful not to break the bread apart. If you get some of the cheese filling on the crust, wipe it off with a paper towel. Wrap the bread loosely in foil.
Place the wrapped loaf on a baking sheet and bake 15 minutes, then uncover it and continue to bake 10 to 15 minutes or until the cream cheese is melted. Sprinkle with cotija cheese and serve warm.