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Preheat oven to 350 degrees. Spray a 9X13 inch baking dish with nonstick cooking spray.
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.
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
In a mixing bowl combine sour cream, cottage cheese, and 1 cup of jack cheese.
Assemble: Spread about 3 cups of the crushed tortilla chips on the bottom of the prepared baking dish.
Spread beans over tortillas. Spread beef mixture over beans.
Spread sour cream mixture over beef mixture. Spread about 2 cups of the remaining crushed tortilla chips over.
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.
Add toppings as desired and serve.