Preheat oven to 400 F.
Spray a loaf pan or baking dish with non-stick spray.
Combine the beef, celery, onion, crackers, and eggs. Mix well. Get in there with your hands and work it!
Place half of the meat into the pan. If you're using a baking dish, form the meat into a loaf.
Sprinkle the cheese over the meat.
Add the remaining meat on top and pinch down along the sides to seal the cheese inside.
Spread ketchup over the top of the meat and sprinkle with chili powder, salt and pepper.
Cover the pan with lose-fitting foil and bake for 30 minutes.
Remove foil and increase oven temperature to 425 F. Let bake another 20 minutes or until the internal temperature of the meatloaf is 160 F.
Remove from oven and let rest 5 minutes before slicing and serving.