1 lg. pkg. cream cheese
1 lb. lean hamburg
1 (12 oz.) jar salsa
2 c. shredded cheddar cheese
1 c. shredded Monterey Jack cheddar cheese
1 bag tortilla chips

Spread softened cream cheese in bottom of 8x10 inch pan. Scramble hamburg and drain. Add salsa to hamburg and spread over cream cheese. Top with cheddar cheese. Bake at 350 degrees for 20 to 25 minutes. Serve with tortilla chips.