Cost per Serving:
Arrange oven rack in bottom of oven, and preheat oven to 450°F.
Place 2 tortillas on each of 2 large baking sheets. Sprinkle 1/3 cup beans and 1/2 cup cheese on each tortilla, leaving a 1-inch border. Bake 1 sheet at a time until edges are browned and cheese is bubbly, about 8 minutes. Cut into quarters, top with tomato, guacamole and salsa. Garnish with cilantro.
Repeat with remaining ingredients.