Nachos

Name: Nachos
Prep time: 15 min
Total time: 15 min
Cuisine: American, Mexican
Ingredients: 1 tbsp. extra-virgin olive oil; 1 large yellow onion, chopped; 1 lb. ground beef; 2 cloves garlic, finely chopped; 1 tbsp. taco seasoning; kosher salt; 1 (15-oz.) can refried beans; 1/4 c. water; 1 large bag tortilla chips, divided; 2 c. shredded cheddar, divided; 2 c. shredded Monterey jack, divided; 1 (15-oz.) can black beans, drained, divided; 1/2 c. pickled jalapeños, divided; 1 large tomato, finely chopped; 1 avocado, finely chopped; 1/4 c. fresh cilantro leaves (optional); 1/4 c. thinly sliced scallions; Sour cream and hot sauce, for drizzling