Step 1

Preheat oven to 350 degrees. Spray a 9X13 inch baking dish with nonstick cooking spray.

Step 2

In a large skillet, over medium-high heat, brown beef and crumble, until the exterior is brown (interior will not be cooked through), about 7-8 minutes. Add onion and continue to cook until there is no longer any pink in the beef and the onion is soft about 5 minutes. Drain excess fat.

Step 3

Stir in the taco seasoning and salsa. Cover and continue to cook on low heat for 3-4 minutes or until the mixture has thickened

Step 4

In a mixing bowl combine sour cream, cottage cheese, and 1 cup of jack cheese.

Step 5

Assemble: Spread about 3 cups of the crushed tortilla chips on the bottom of the prepared baking dish.

Step 6

Spread beans over tortillas. Spread beef mixture over beans.

Step 7

Spread sour cream mixture over beef mixture. Spread about 2 cups of the remaining crushed tortilla chips over.

Step 8

Spray a large piece of aluminum foil with nonstick cooking spray. Cover baking dish. Place in preheated oven for 35-45 minutes, or until heated through. Remove from oven and sprinkle remaining jack cheese and cheddar over the top. Return to oven and bake, uncovered, 10 minutes or until cheese is melted.

Step 9

Add toppings as desired and serve.