Beef Cheese Chimichangas (Crispy and Melty)

Ingredients

• 1 tablespoon neutral oil, plus more for frying
• 1 lb (450 g) ground beef, 85 to 90 percent lean
• 1/2 medium yellow onion, finely diced
• 3 cloves garlic, minced
• 1 tablespoon chili powder
• 1 teaspoon ground cumin
• 1/2 teaspoon smoked paprika
• 1/2 teaspoon dried oregano
• 1/2 teaspoon kosher salt, plus more to taste
• 1 can (16 oz or 450 g) refried beans
• 1/2 cup (120 ml) thick salsa
• 8 large 10-inch flour tortillas
• 1 1/2 cups (170 g) shredded Monterey Jack cheese
• 1 cup (115 g) shredded cheddar cheese
• Shredded lettuce, diced tomatoes, sour cream, guacamole, and salsa, for serving