Step 1

Preheat oven to 425° F. Grease a large rimmed baking sheet or line with foil or parchment; set aside.

Step 2

In a large skillet over medium-high heat, cook the ground beef and onion until the onion is tender and the meat is no longer pink. Drain off the fat; return beef and onion to the skillet. Add taco seasoning (and water if called for on the packet). Cook according to the instructions on the seasoning packet.

Step 3

Arrange half of the tortilla chips on the prepared baking sheet. Top chips with half of the beef mixture, half of the cheese, and half of the jalapeños (if using).

Step 4

Repeat layers once more.

Step 5

Bake in the oven until the cheese melts, about 10-15 minutes. Add optional toppings; serve immediately.