pre heat oven to 375

brown ground turkey with onions and garlic to taste, i used about 2 tsp

drain ground turkey mixture and put into a 9 X 13 in pan top with enchilada sauce then half of the cheese and spread the refried beans on top (you cant really spread the beans you more or less have to drop small spoonfulls evenly)

lightly crush (you dont want tiny pieces) the chips and place on top of the beans

top with remaining cheese

bake for approximately 20 minutes

serve with additional chips on the side and garnish with diced tomatoes, sourcream and guacamole if desired