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Preheat oven to 400F.
Heat a large skillet over medium heat.
Add the beef and cook, breaking up the meat with a spoon, until browned and cooked through, about 6-8 minutes.
Drain the grease.
Stir in the taco seasoning and water.
Cook, stirring regularly, until the water has evaporated, about 2-3 minutes.
Stir in the black beans and salsa.
Cook, stirring regularly, until heated through, about 2-3 minutes.
Remove from heat.
Add the tortillas in an even layer to a large rimmed baking sheet.
Spoon the ground beef mixture evenly over the tortilla chips.
Sprinkle the cheese over the top.
Bake for about 12-14 minutes, or until the cheese has melted.
Serve topped with your favorite toppings like salsa, guacamole, and sour cream.