Heat oil in a frying pan over medium heat. Add onion (as well as mushrooms and green pepper if you choose). Cook for 2-4 minutes or until tender.
Add in kidney beans, diced tomatoes, chili powder, and garlic powder. Stir well and let simmer for a few minutes.
While that is cooking, tear the corn tortillas into small pieces- about 2 in squares.
Spray a baking dish with non-stick spray. In the baking dish, layer the ingredients in the following order: half of the tortilla pieces, half of the beans and tomato mixture, and 1/2 Cup of cheese. Repeat with remaining ingredients for second layer.
Bake (uncovered) for 20 minutes at 350 F. Let cool for 2-5 minutes.
Top with shredded lettuce, black olives, light sour cream and avocados.
Recipe provided by Reach Up Head Start, Early Head Start. Get more recipes here.