It's been a common problem for people that use wired headsets. Basically the jack gets damaged such that the phone always thinks that the headset is plugged in (thus disabling the onboard speaker). Some people have had luck by trying different ways of inserting/uninserting the headset plug to get the speaker back on (try it while some music or somthing continuous is playing).
Speakers can go bad for other reasons (happened to me actually--requried a warranty replacement of the phone). And I suppose there's an off-chance that it's a software problem. Surest way to tell would be to hard reset.
Good luck.
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