i have the same problem now.
This morning all was fine, internal speaker was working.
This afternoon I got a call, answered it but had no sound.
Speaker phone works, headphone works, internal speaker doesn't work.
I reset my phone (home + power button). Not fixed.
I shut down the phone, left it off for a few minutes. Not fixed.
I tried switching on/off cellular data, wifi, bluetooth. Not fixed.
I tried pressing on/around the speaker. Not fixed.
Checked with apple, no longer free tech support (I have to pay €35 just to chat with someone).
Their suggestion was contacting my provider (tmobile). Since the phone is older than 2 months, I will likely have to pay to have it checked.
Phone be is not yet 2 years old, am super careful with it.
No damage visible on the outside - I use protective screen cover and protective rubber sleeve.
It didn't get wet as far as I know either.
Any other tips? I hope the iOS 8 update helps somehow.