Preheat the oven to 325°F. Spread half the tortilla chips on a rimmed baking sheet, sprinkle over half of the cheese, and then layer on the rest of the chips, and cover with the rest of the cheese.
Place any and all of the desired toppings in individual bowls and place on the table, with small plates. Heat up the chili.
When ready to serve, bake the nachos for about 8 minutes until the cheese is melted. Transfer the nachos to a serving platter, and serve hot.
Notes
The list of possible ways to personalize nachos abound, and while a number are listed below in the nacho bar topping list, you can get very creative—or stick with the basics. Then stand back and let everyone make their own version of loaded bar nachos.