1 lb. ground hamburger
1 (16 oz.) can refried beans
1 can nacho cheese soup
1 c. Monterey Jack cheese
1 pkg. taco seasoning
1 (9x9 inch) pan

Brown hamburger and add taco seasoning. Spread refried beans on bottom of pan. Spread hamburger over beans. Spread can of cheese soup and top with Monterey Jack cheese. Bake in 425 degree oven until bubbly. Serve hot with chips.