Preheat a large skillet or griddle over medium-high heat for about 2 minutes.

Press a handful of ground beef evenly onto one half of each tortilla and season with salt, pepper, and garlic powder.

Place the tortillas beef-side down onto the hot skillet. Cook for 2–3 minutes until the beef is browned.

Flip the tortillas gently, sprinkle shredded cheese over the beef, and fold the tortillas in half.

Cook for an additional 2–4 minutes on each side until golden brown and cheese is melted.

Transfer to a cutting board, let sit for a minute, slice into wedges, and serve with optional toppings.