Is withholding CDL certification until loan is paid legal in Florida?

Question

I recently completed my trucking school classes in Florida and I'm scheduled to take my state CDL A exam soon. The school informed me that they will hold my certification of completion until my loan is fully paid. I signed a document acknowledging this policy, though I was unaware of it initially. A friend mentioned that withholding certifications could be considered coercion and possibly illegal. Can you clarify the legality of this practice?

James L. Arrasmith · Answer

It’s understandable to feel frustrated, especially after putting in the time and work to finish your training. In Florida, private vocational or trade schools often include terms in their enrollment agreements that allow them to withhold a certificate of completion until tuition or loan balances are paid. Since you signed a document agreeing to this, the school may be within its legal rights to enforce that policy, even if you weren’t fully aware of it at the time. 
 
That said, this kind of practice can feel unfair—especially when it blocks you from moving forward with your career. While it may not be considered illegal under current Florida law, it can be challenged if the policy wasn’t clearly disclosed or explained upfront. You might want to try speaking with the school directly to see if a payment arrangement could be made that allows you to get your certification in the meantime. 
 
You could also contact the Florida Commission for Independent Education to file a complaint or ask for guidance if you believe the school’s practices were misleading or exploitative. It won’t guarantee immediate results, but it creates a record and might help prompt a review of their policies. You’ve done your part by finishing the program—now it’s about making sure you’re treated fairly and have a path forward.

Q: Is withholding CDL certification until loan is paid legal in Florida?