Instructions:

1. Preheat your oven to 375°F (190°C).
2. In a skillet over medium heat, brown the ground beef. Drain any excess grease and add the taco seasoning according to package instructions. Mix well and set aside.
3. On a large oven-safe platter or baking sheet, arrange a layer of tortilla chips.
4. Sprinkle half of the shredded cheddar and Monterey Jack cheese over the chips.
5. Spoon the seasoned ground beef evenly over the chips and cheese.
6. Add black beans, diced tomatoes, sliced black olives, jalapeños (if using), and red onion over the beef.
7. Top with the remaining shredded cheese.
8. Bake in the preheated oven for about 10-12 minutes or until the cheese is melted and bubbly.
9. Remove from the oven and garnish with dollops of sour cream and chopped cilantro.
10. Serve the loaded nachos hot with salsa and guacamole on the side.

Get ready to enjoy a fiesta of flavors with these Loaded Nachos – a crowd-pleasing treat for any occasion! 🎉🧀🌶️