Preheat oven to 375°F (190°C). Grease a 12-cup muffin tin.

In a medium skillet over medium heat, cook onion in oil until translucent, about 3 minutes.

Stir in minced garlic and cook for 1 minute, until fragrant.

Add ground beef, breaking it up, and cook until no pink remains, about 5-7 minutes.

Sprinkle chili powder, cumin, salt, and pepper over beef and cook for another minute.

Press one tortilla chip into each muffin cup to form a cup.

Spoon the seasoned beef mixture into each chip cup.

Sprinkle shredded cheddar cheese over each beef cup.

Bake for 8-10 minutes until cheese is melted and edges are golden.

Let cool in the tin for 2 minutes before serving.