Over the Top Nachos

Over the Top Nachos was pinched from <a href="https://www.allrecipes.com/recipe/14874/over-the-top-nachos/" target="_blank" rel="noopener">www.allrecipes.com.</a>
INGREDIENTS
1 pound ground beef
1 onion, finely diced
salt and pepper to taste
2 cups shredded Cheddar cheese
1 (16 ounce) can refried beans
1 (14.5 ounce) package tortilla chips
1 fresh jalapeno pepper, sliced
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