2. **Mix meatloaf:** In a bowl, combine ground beef, breadcrumbs, cheddar cheese, onion, milk, egg, garlic powder, onion powder, salt, and black pepper. Mix until well combined.
3. **Form and bake meatloaf:** Press the meatloaf mixture into the prepared baking dish. Spread ketchup on top if using. Bake for 20 minutes.
4. **Add tater tots:** Remove from oven and arrange tater tots on top of the partially cooked meatloaf.
5. **Add cheese and bake:** Sprinkle mozzarella cheese over the tater tots. Bake for an additional 20-25 minutes, until the tater tots are crispy and the cheese is melted and bubbly.
6. **Serve:** Let cool slightly before serving.
Enjoy this Cheesy Tater Tot Meatloaf Casserole with your family or friends, and savor the delicious flavors!