这句英语长句怎么理解?

问题描述:

这句英语长句怎么理解?
But those having trouble making payments on federal education loans do have a growing number of attractive options to temporarily reduce or pause their monthly bills.
特别是这个"do"?

do表示强调,无实在意义,可以理解成“确实”
(1)、having trouble making payments on federal education loans 分词作定语,修饰those,偿还联邦教育贷款有困难的那些人
然后是说:这些人确实有了更多吸引人的选择来临时减少或暂停月偿还贷款.