Answer 
 Richard need to contribute to his annual college expenses is $ 12425 .
Explanation: 
As given
Richard’s annual college expenses are expected to total $17,745.
 He will receive $5,320 in grants.
Thus 
Richard contribute to annual college expenses = Annual college expenses - Grant amount .
Putting values in the above
 Richard contribute to annual college expenses = 17745 - 5320
 = $ 12425 
Therefore Richard need to contribute to his annual college expenses is $ 12425 .