Preheat oven to 450°F. In a large nonstick skillet over medium-high heat, heat oil. Add ground turkey; cook 8 to 10 minutes, or until meat is no longer pink, breaking up meat into crumbles. Drain.

Stir in taco seasoning, water, salsa and black beans. Cook uncovered over medium heat, stirring occasionally, for about 5 minutes.

Spoon turkey mixture evenly into each scooped tortilla chip and place on a large baking tray. Top with shredded cheese. Bake for 4 minutes. (Alternative microwave heating: microwave filled tortilla chips in small batches on high setting for 20 seconds.)

Serve with guacamole, sour cream, sliced jalapenos, if desired.