Blend together soup and 2/3 cup water.
Combine 1/2 cup of the soup mixture with the egg; stir in uncooked rice, wheat germ, onion, garlic salt, seasoned pepper, and chili powder.
Add meat; mix well.
Shape into six patties.
In skillet, brown patties on both sides; drain off excess fat.
Combine the remaining soup mixture, beans, and 1/2 cup water; spoon around patties.
Cover and simmer 55 minutes, stirring carefully once or twice.
Uncover; sprinkle the meat patties with shredded cheese.
Continue cooking till cheese melts, 1 to 2 minutes more.