Layered Three Cheese Nachos

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1 large bag nacho chips

2 cups shredded hot pepper jack cheese

2 cups shredded salsa jack cheese

2 cups shredded traditional Sonoma jack cheese

1/2 cup chopped green onions

1 cup diced tomatoes

1 cup black beans, drained and rinsed

1/2 cup chopped cilantro

Grilled chicken strips or steak, optional toppings